Rates & Policies

If you are using Blue Cross Blue Shield PPO or Blue Choice Select insurance, we have contracted rates for these plans. Please talk to our intake coordinator, Laurie to review your benefits. Insurance is verified prior to the first appointment, but we cannot guarantee accuracy at the time of the initial appointment due to the ever changing nature of insurance but we work hard to ensure no surprises for you or us. 

Sessions & Rate Information

Item Session Length Cost
Less than 48hr cancellation fee - $65 or $15 if we can fill that slot
Evaluation Sessions 45 minutes $210 (Insurance Code: 90791)
Individual Counseling Session 45 minutes $130 (Insurance Code: 90834)
Family/Marital/Couples Counseling Session 45 minutes $155 (Insurance Code: 90847)
Individual 53+ minutes $190 (Insurance Code: 90837)
Individual 16-37 minutes $90 (Insurance Code: 90832)
TOVA Test for ADHD 45 minutes $250 (Insurance Code: 96130)

Unfortunately, we are unable to accept Medicare or any Medicare-type plan for either a secondary or primary policy.

ADHD Assessment Cost

Appointments Individual
Appt 1-3 - Intake view costs
Appt 3 or 4 - Computer Test view costs
Appt 4 or 5 - Feedback & Diagnosis - Intake
Appt 5 or 6 - Feedback & Diagnosis - (If needed an additional session may be scheduled to discuss medications or non-mediction approaches to treatments.)
view costs
Marital/Couples/Family Consult view costs

Payment & Insurance Information

Types Of  Payment We Accept

We accept cash, checks, or credit/debit/HSA cards. (Discover, MasterCard, Visa, American Express)

The Advantages Of Self-Payment

Many of our clients utilize their Health Savings Account or Flex Savings Account to pay for services.

Many of our clients choose to pay for services at NPS apart from their insurance company, because you must have a mental health diagnosis to have services covered by insurance. Clients who pay privately may not want a mental health diagnosis on their permanent medical records.

If you choose to pay privately, you can be assured of the following:

  • We will not need to contact your insurance company
  • You have the ability to choose your counselor based on the needs and values you desire
  • You will have the choice in determining with your counselor the length of treatment and care

You can be confident that your care and personal information is held to the highest standard of privacy allowed by Illinois laws and statutes.

Credit Card On File

For your convenience, we will keep a credit card or debit card on file for you. Our credit card on file service is compliant with the PCI standard—the highest standard in the industry for credit card transactions. Once we enter your credit card into our system, we can only access the last four digits of your credit card number.

With your permission, we can charge your sessions or tests at the time of service.

Insurance Filing Info

At NPS, payment is due at the time of service. We are an in-network provider for Blue Cross and Blue Shield of Illinois PPO. We will accept your copayment or co-insurance payment. If you have a deductible, then you will need to pay in full at time of service until your full deductible is met. We file insurance the next business day after your session.

If you are covered by another insurance company, we will file your claims for you as a service to you. You are responsible to pay for services upfront. We will mark your claims so that any money owed to you will be sent directly to you. Should the company inadvertently send the money to us, we will reimburse you. We will not file claims for any HMO Insurance plans. We will be happy to provide a medical spending statement for you, so you can file the claim to your insurance company. Please request this at the front desk.

We will also email you a monthly statement so you can see the activity and any balances or overpayments on your account. If you require a SUPER BILL or MEDICAL SPENDING STATEMENT, please inform our front desk and we will issue these on the first week of each month, or yearly as you request.

Unfortunately, we are unable to accept Medicare or any Medicare-type plan for either a secondary or primary policy.

Insurance Help

We know that the insurance process can be complex at times, so please feel free to call if we can be of any help to you with submitting your claim to your insurance company.

Cancellation Policy

Scheduled appointments are an important aspect of your services with us; your appointment time is reserved for you. If your appointment needs to be cancelled or rescheduled, it is very important to contact your clinician as soon as possible. Missed sessions cannot be submitted to your insurance company for reimbursement, so you are responsible for these charges.

  • If you do not come in for your appointment you will be charged $125 for the missed session (or the session fee, if less than $125).
  • If you cancel with less than 48 hours notice, you will be charged $125 (unless you are ill or there is an emergency). However, if we are able to fill your appointment time, we will only charge $15 for your missed appointment.

We will automatically charge this to your credit card on file. If you do not have a card on file this fee must be paid within 30 days of the missed appointment.

You can leave a message on our 24/7 hour voice messaging system.

Return Call Policy for Dr. Neal and Our Team

We attempt to return calls on the same day or within 24 hours. If our schedule does not permit us to return a call, or if your call is related to administrative/insurance/billing/appt scheduling/records request/referring medicine prescriber contact info, etc., then you may receive a call from our office admin staff. We receive multiple requests for return calls during the day and we do our best to prioritize each and every call.

Sometimes, our schedule is impacted by an unforeseen urgent matter or emergency.  We will then instruct the office to give you a courtesy call to let you know we will be unable to return your call promptly and our office staff will do their best to address your question or let you know when we will call you. If your call is urgent, then we will do our best to prioritize your call over that day’s client schedule.

Our front desk supervisor is highly trained and experienced in the nature of the type of calls we receive for counseling and assessment. She understands the confidentiality and personal sensitivity of a client’s needs. All the same, if your call is of highly personal nature, please let the staff know you prefer to talk with your clinician confidentially, and we will be happy to return your call as soon as our schedule permits.

Video Chat Services

All of our counselors available via video chat, telephone, or FaceTime if you are unable to drive to our office location in Crystal Lake, IL.

There is no additional charge to you for video chat. We can use the phone, or you can download Vsee.com to any device. We provide easy step by step instructions and will help you download it.

No Surprises Act

Notice to Neal Psychological Specialties, LTD clients and prospective clients:

In compliance with the No Surprises Act that goes into effect January 1, 2022, all healthcare providers are required to notify clients of their federal rights and protections against “surprise billing.” This Act requires that we notify you of your federally protected rights to receive a notification when services are rendered by an out-of-network provider, if a client is uninsured, or if a client elects not to use their insurance to pay for services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. It is difficult to determine the true length of treatment for mental health care, and each client has a right to decide how long they would like to participate in mental health care. Therefore, your Good Faith Estimate will include a fee schedule for the services typically offered by your therapist, and we will collaborate with you on a regular basis to determine how many sessions you may need.

You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service, or at any time during treatment. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, or how to dispute a bill, see your Estimate, or visit www.cms.gov/nosurprises.

Legal Disclaimer

Copyright © 2020 Neal Psychological Specialties, LTD All rights reserved. Disclaimer: All of the information on this website is for informational purposes only. The information and resources on this site are not to be construed as professional mental health counseling or to substitute for face-to-face therapeutic services. This site and its author are not responsible or liable for any information used outside of the therapeutic process, without the knowledge, permission and written consent of the author. Use of this site constitutes understanding and acceptance of these provisions.

Are you ready to take the next step?