Important Financial Policies

  • Deposit required – Your deposit is applied to your co-pay or refunded when you give more than 48 hours’ notice.
  • No-show fee$150 will be charged for missed appointments without prior cancellation.
  • Same-day cancellation fee$75 will be charged for appointments canceled on the same day.
  • We accept BCBS PPO and Cigna PPO as primary insurance.
  • We do not accept HMO plans, Medicaid, Medicare, Aetna, or UnitedHealthcare. If out-of-network, you may pay directly and submit a Superbill to your insurer.

Billing & Payment Questions

Email [email protected] with any questions.

If you're not using BCBS PPO or Cigna PPO, the following out-of-pocket fees apply and must be paid on the date of service.


Insurance Tips

  • Call the number on your card to verify mental health benefits.
  • Confirm whether we are in-network for your specific plan.
  • Ask about your deductible and coinsurance obligations.

Insurance Terminology Primer

Term Definition When It Matters
Deductible What you pay before insurance covers services. You pay full cost until this is met.
Copay A fixed cost per visit. Owed at check-in if listed on your card.
Coinsurance Your percentage of costs after deductible is met. Often 20%-60% depending on your plan.
Out-of-Pocket Max The maximum you will pay per year. After reaching this, insurance pays 100%.
In-Network vs Out-of-Network In-network providers have lower rates. We are in-network with BCBS PPO and Cigna PPO.
Prior Authorization Approval sometimes needed from insurer. Must be obtained by patients for certain plans (such as  CTY plans). We will obtain for TMS.
EOB (Explanation of Benefits) Statement from insurer showing payment details. Check it against your billing statement.Insurance Cost Sharing Overview
Able Psychiatry Chicago explanation of insurance benefits

Self-Pay Pricing (if not using BCBS PPO or Cigna PPO)

ProviderNew AppointmentFollow-Up
Dr. Sallaj$435$235
Dr. Yan$435$235
Valentina Djordjevic, PA-C$325$185
Jenna Spaeth, PA-C$325$185
Emilie Emberton, PA-C$325$185
Dani Nguyen, PA-C$325$185
Megan Lindley, PA-C$325$185
Caelin Kopicko$270$160
Dr. Ratajczak$435$235
Dr. Hu$435$235
Nancy Powers-Kirsch$270$160

Psychotherapy-Only Services

ProviderRate (all visits)
Ashley Jacobson, LPC$155

CareCredit financing is available. Visit our Appointments page for more information.