Therapy Rates and Insurance
Your Investment in Mental Wellness
Reviewed by Jessica Davis, LCPC, Practice Owner · Updated October 2026
We understand that navigating insurance and rates can sometimes feel overwhelming, and we are here to make this process as smooth as possible.
Flexible Payment and Insurance Options
Counseling Rates & Cash Payments
For clients who do not use in-network or out-of-network insurance services, we offer transparent cash rates. By opting to pay cash, there is no formal diagnosis or set number of sessions on file, allowing for a more personalized approach to your child’s care.
- Initial Assessment – $200 (1 hour)
- Individual/Family Session – $150 (50-55 minutes)
- Attend IEP Meetings – $150 per hour
Opting for cash payments offers greater flexibility and confidentiality. This option lets us tailor our sessions to your specific needs without insurance constraints. We aim to provide high-quality care that respects your unique circumstances.
Insurance Rates
We strive to make our services accessible and convenient for all our clients. To that end, we are pleased to be in-network with several major insurance providers. We accept the contracted rate for each of the following insurance plans: What you pay per session with insurance can vary depending on your plan, your deductible and whether you have met it, your copay or coinsurance, and the type of session. We check these factors before your first appointment so you know what to expect.
In-Network Insurance Providers
As a courtesy, we verify your insurance benefits before confirming your appointment to ensure you understand your coverage. If we do not accept your insurance, you may still be able to use your Out-of-Network benefits to see us. For any questions or assistance with your insurance and payment options, please contact us.
No-Show & Late Cancellation Policy
At Davis-Smith Mental Health, we dedicate time specifically to each of our clients. When an appointment is canceled, it allows us to offer that time slot to another individual who needs our support. Short-notice cancellations or no-shows prevent other clients from accessing timely care.
To reschedule or cancel your appointment, please notify our admin at least 24 hours in advance. If an appointment is canceled with less than 24 hours’ notice or if you do not show up, a $100 fee will be charged. Insurance does not cover fees for missed appointments or late cancellations, so the cost will be your responsibility. The credit card on file will be charged for these occurrences within 24 hours of the scheduled session time.
In-network with
- Aetna PPO
- Cigna / Evernorth
- BCBS PPO
- UnitedHealthcare
- UMR
- Initial assessment $200
- Ongoing sessions $150
Insurance and rates
Insurance Accepted
Davis-Smith Mental Health is in network with Aetna PPO, Blue Cross Blue Shield PPO, Cigna and Evernorth, UnitedHealthcare, and UMR. Not every therapist is in every network, so we check your plan with you before your first session. If you’d rather pay privately, we can give you a Superbill to use with your out-of-network benefits.
Discover Personalized Care
If you are interested in our services, please fill out the form below. Our team will review your information and get back to you promptly to discuss your needs and schedule your first appointment. We look forward to supporting you on your journey to better mental health.
Trouble seeing the form? Open it in a new window or call us at (815) 409-5940.
What People Are Saying About Us
5.0 Based on 5 Google reviews
“Davis-Smith Mental Health truly cares about their clients. The therapists are compassionate, skilled, and genuinely committed to helping you grow and heal. It’s clear that Jessica has built a team that shares her values and dedication. Highly recommend to anyone looking for meaningful support and real results.”
Kasia Budyn · Posted on Google
“Jessica provides a safe and welcoming environment for all the teens she sees. She tailors treatment to each teen and is incredibly patient and open to their needs. I have seen first hand the work she does and the connection she has with kids. I cannot recommend her enough as someone who will care for your teen and your family!”
Google User · Posted on Google
“Davis-Smith Mental Health is a trusted resource for providing compassionate, high-quality therapy for teens and emerging adults. I know confidently that clients are supported with empathy, professionalism, and respect. Jessica leads her team with integrity and intention. She clearly prioritizes the well-being of her staff, which allows them to show up fully for the clients they serve. Their commitment to the healing journey is evident in every interaction. I’m grateful to have them as a referral partner and deeply value their work in the mental health community.”
Sherri Wick · Posted on Google
“Jessica is a dedicated therapist and absolutely loves working with teens. You are able to feel the love from the moment you walk through the door. She and her staff will provide a safe and private environment for that one on one attention you deserve.”
Melanie K. Hall · Posted on Google
“Jessica and her team are so passionate and helpful! I would recommend this practice to anyone looking!”
Biljana Krzywinski · Posted on Google
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If something told you to keep reading this far, trust that feeling. Whether it’s for yourself, your teen, or your young adult, the hardest part is deciding to start. We are here when you are ready.
there is courage in change ♥
- Anxiety counseling for children, teens and adults
- Rated 5.0 on Google
- In-network with Aetna, BCBS, Cigna, UnitedHealthcare and UMR
- Telehealth for clients in Illinois
- In-person in New Lenox
- EMDR therapy for anxiety and trauma
- We truly care about every client
- There is courage in change