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Private pay therapy in Illinois — another way to start.
Private pay is one of the ways to pay for therapy at TCC. You and your therapist decide together how often to meet and how long to continue, and nothing is billed to an insurer unless you choose to submit a superbill. Whether you pay privately or use insurance, you get the same therapists, the same approach and the same care.
Adults 18+ & couples · Secure video across Illinois · HSA/FSA cards accepted
What’s offered
Online therapy for individuals and couples
Every session is by secure video. You, and both partners for couples, must be located in Illinois at the time of each session.
Individual therapy
For anxiety, identity, attachment, life transitions and more.
More about individual therapy →Online couples therapy
Gottman- and EFT-informed, for conflict, trust, intimacy and relationships across cultures.
More about online couples therapy in Illinois →Session rates
Clear rates, set before you start
| Service | Intake | Ongoing |
|---|---|---|
| Individual therapy | $195 | $175 |
| Couples & partners therapy | $195 | $220 |
These are the same rates listed on our Fees & insurance page. Without insurance, cost can still be a barrier. Each therapist holds a limited number of reduced-fee spots, so ask about availability.
Third culture counseling
Let’s make room for the whole story
Some experiences take time to unpack, like growing up between countries, being sent away to school young, or a couple bridging two families and two cultures. With private pay, you and your therapist set the pace together.
Learn more about therapy for third culture and international lives, boarding school experiences, and intercultural couples therapy.
Lived experience
Zaraar Zahid, LCPC
TCC’s founder knows the third culture experience firsthand. He grew up as a boarding school kid and has lived in Pakistan, England, and the United States.
Read more about our founder’s story →Out-of-network reimbursement
Using your out-of-network benefits
- 1
Check your benefits
Call the number on your insurance card and ask:
- Do I have out-of-network outpatient mental health benefits?
- What’s my deductible?
- What percentage is reimbursed?
- Is telehealth covered?
- If relevant, is couples therapy covered?
- 2
Pay TCC directly
Pay for each session at the time of service.
- 3
Get your superbill
TCC provides superbills through Sessions Health. A superbill is an itemized receipt with the codes insurers ask for, which typically includes a diagnosis.
- 4
Submit it to your insurer
Send the superbill to your plan for possible reimbursement.
Reimbursement depends entirely on your plan and isn’t guaranteed. Some plans treat couples therapy differently from individual therapy, so it’s worth asking about it specifically.
HSA & FSA
Paying with HSA or FSA
TCC accepts HSA and FSA cards. Whether a card is approved depends on your plan administrator and card issuer, so we can’t promise every card will go through. If you’re unsure, check with your plan before your first session.
No Surprises Act
Your right to a Good Faith Estimate
If you aren’t using insurance, or choose not to submit a claim, you have the right to a Good Faith Estimate of expected charges before care begins. You’ll receive one before your first appointment, and you can request one at any time. If your bill is at least $400 more than your estimate, you can dispute it.
Read the full No Surprises Act notice →Related
Third Culture & international · Boarding school experiences · Couples therapy · What is Third Culture? · About Zaraar
Start with a free conversation to find the right fit.
A free, no-pressure 15-minute phone call. Ask about rates, insurance, superbills, or which way to pay fits you best.
Book a free 15-min consult Join the waitlist