Blue Cross Blue Shield (BCBS)
Eligible Blue Cross Blue Shield plans may be accepted for therapy services in Indiana.
Rates & Insurance
Therapy Rates & Insurance
Paying for therapy should be as clear as possible. Karos Counseling accepts several commercial insurance and Medicaid plans, along with private-pay options. Insurance participation varies by state and specific plan, so coverage should be confirmed before beginning services.
Private-pay sessions generally range from $175-$215. Sliding-scale rates below this range may also be available based on individual circumstances and availability.
A free 15-minute consultation is available to discuss fit, services, insurance, payment options, and next steps.
Looking for support for a child ages 6-11? Karos Counseling may provide in-person therapy through an appropriate Northwest Indiana school arrangement.
Current accepted-plan summary
Indiana Medicaid, Anthem Medicaid, Anthem Blue Cross and Blue Shield, and Illinois Medicaid. Coverage depends on the client’s specific plan, location, eligibility, and service.
Duneland Chamber members
Save up to $250 on private-pay counseling
Eligible new clients may receive $25 off each of their first 10 completed sessions. Learn more about the Chamber Advantage offer and eligibility details.
View the Duneland Chamber offerRates & Insurance
Insurance Accepted
Select your state to view current insurance options. Coverage depends on your specific plan and network, so benefits should be verified before services begin.
Indiana Insurance
Karos Counseling accepts eligible plans from the insurers below in Indiana. Exact coverage depends on your specific plan and network.
Anthem
Eligible Anthem plans may be accepted for therapy services in Indiana.
Carelon Behavioral Health
Eligible Carelon Behavioral Health plans may be accepted for therapy services in Indiana.
Traditional Indiana Medicaid
Traditional Indiana Medicaid is accepted for eligible clients.
Illinois Insurance
Karos Counseling accepts eligible plans from the insurers below in Illinois. Exact coverage depends on your specific plan and network.
Blue Cross Blue Shield (BCBS)
Eligible Blue Cross Blue Shield plans may be accepted for therapy services in Illinois.
Anthem
Eligible Anthem plans may be accepted for therapy services in Illinois.
Carelon Behavioral Health
Eligible Carelon Behavioral Health plans may be accepted for therapy services in Illinois.
Illinois Medicaid
Illinois Medicaid is accepted for eligible psychotherapy services.
Texas Insurance
Karos Counseling provides telehealth therapy in Texas. Eligible commercial plans may be accepted through the appropriate Texas branch or network.
Blue Cross Blue Shield (BCBS)
Eligible Blue Cross Blue Shield plans may be accepted for Texas telehealth therapy.
Anthem
Eligible Anthem plans may be accepted where applicable to the client's specific Texas plan.
Carelon Behavioral Health
Eligible Carelon Behavioral Health plans may be accepted where applicable.
Minnesota Insurance
Karos Counseling provides eligible telehealth services in Minnesota. Commercial insurance availability depends on the client's specific plan and network.
Blue Cross Blue Shield (BCBS)
Eligible Blue Cross Blue Shield plans may be accepted where applicable.
Anthem
Eligible Anthem plans may be accepted where applicable.
Carelon Behavioral Health
Eligible Carelon Behavioral Health plans may be accepted where applicable.
Planned Expansion
Ohio services are coming soon
Karos Counseling is preparing to expand telehealth therapy to Ohio. If you live in Ohio and are interested in services, you are welcome to request a free consultation or express interest.
Your inquiry can help determine how quickly Ohio availability is opened.
Express Interest in Ohio TherapyDoes My Specific Insurance Plan Qualify?
Insurance companies offer many different products, networks, and benefit structures. Being contracted with an insurance company does not guarantee that every plan offered by that company is in-network. Coverage and benefits should be verified before services begin.
I can check a plan through the appropriate insurance portal, but clients should also confirm eligibility, benefits, and network participation directly with their insurance plan. Anthem members can use Anthem’s official provider-search tool.
Private Pay
Private-Pay Therapy
$175-$215 per session
Private-pay therapy is available for clients who prefer not to use insurance, do not have insurance, or have a plan that Karos Counseling does not currently accept.
Sliding-scale options may be available for rates below $175 based on individual circumstances, service needs, and availability.
Schedule a Free 15-Minute Consult Read insurance and payment FAQsInsurance information by payer
These pages provide general guidance. Eligibility still depends on the specific state, plan, network, and benefits.
What Will I Pay With Insurance?
Your cost depends on your individual insurance benefits. Depending on your plan, you may be responsible for a copay, coinsurance, a deductible, or some or all of the insurer's allowed amount until your deductible is met.
Insurance benefits vary from person to person, even when two people have the same insurance company. Karos Counseling can review available eligibility and benefit information, but the insurance company ultimately determines how a claim is processed.
- Copay: a set amount due for a covered service.
- Coinsurance: a percentage of the allowed amount.
- Deductible: what you pay before your plan begins sharing costs.
- Allowed amount: the amount your plan recognizes for a covered service.
Start With a Free 15-Minute Consultation
The first step is a free 15-minute consultation. This gives you an opportunity to briefly explain what you're looking for help with, ask questions about therapy, discuss whether Karos Counseling may be a good fit, ask about insurance participation, and discuss private-pay or sliding-scale options.
There is no obligation to schedule an intake afterward.
Schedule a Free 15-Minute ConsultOut-of-Network Benefits and Superbills
If Karos Counseling does not participate with your insurance plan, you may still have out-of-network mental health benefits.
For eligible private-pay clients, a superbill can be provided upon request. A superbill includes information that may allow you to request reimbursement directly from your insurance company.
Out-of-network reimbursement is determined entirely by your insurance plan and is not guaranteed.
Good Faith Estimates
Clients who are uninsured or choosing not to use insurance may have the right to receive a Good Faith Estimate of expected charges under federal law.
Karos Counseling can provide a written estimate of anticipated costs before services begin when applicable.
Not Sure Where Your Plan Fits?
Insurance terminology can be confusing. If you're unsure whether your plan is accepted, reach out with the name of your insurance company and the specific plan listed on your card.
Karos Counseling can help determine the appropriate next step.