I work with insurance in a way that keeps your care centered on you, not on billing codes. I am in network with select insurance plans in Illinois, and more will continue to come online over time. This page stays updated so you always have a clear sense of how coverage works here.
I work with insurance in a way that keeps your care centered on you, not on billing codes. I am in network with select insurance plans in Illinois, and more will continue to come online over time. This page stays updated so you always have a clear sense of how coverage works here.
At Queer Talk Therapy, private pay is still an option by design. Some clients choose not to involve insurance at all. They want more privacy, fewer limits on session frequency, and less paperwork.
When you pay out of pocket, we decide together how often to meet and what to focus on. There is no requirement for a diagnosis unless you want one. Your story, identity, and lived experience are respected without question. This approach keeps therapy flexible, direct, and centered on you.
Therapy Sessions are $185 for 60 minutes.
Gender Dysphoria Assessments are $185.
When using in network plans, your cost per session is determined by your benefits. It may be a copay, a coinsurance amount, or the full contracted rate until your deductible is met.
Payment is handled securely through the client portal. Credit cards, HSA, and FSA cards are accepted.
If cost is a concern, we can talk through your options so money is clear before we start, not a surprise later.
As the practice expands, the following insurance plans are being brought online in phases through early 2026.
In network now
Aetna
Quest Behavioral Health
Coming online
Blue Cross and Blue Shield of Illinois, projected March 2026
Oscar (Optum), projected late spring 2026
Oxford (Optum), projected late spring 2026
United Healthcare (Optum), projected late spring 2026
This reflects the confirmed credentialing pipeline and will be updated as each plan activates.
NO CLIENT SHOULD LOSE TIME ON PAPERWORK
Insurance is confusing enough. You should not have to spend your sessions worrying about forms and codes. For in network in network plans clients, I submit claims directly so you only pay your portion.
If you have out of network benefits with another plan, I provide the documentation you need to request reimbursement. Many clients receive a significant portion of their fee back once their deductible is met.
This calculator helps you understand what your out of network benefits might cover. It is for information only, not a guarantee. Your insurance company makes the final decisions about coverage, reimbursement, and timelines.
Many clients are not sure whether to use insurance, private pay, or a mix of both. We can look at your specific plan together and outline what each option would actually cost you.
If you are in network with in network plans, I submit claims electronically so you do not have to. If you are using out of network benefits, I give you clear statements you can submit for reimbursement. If you prefer to stay completely outside of insurance, we keep it simple with a straightforward private pay rate.
As additional major insurers come online through early 2026, I will keep this page current so you always know which choices you have. The goal is the same either way, clear support, minimal static, and no surprises about money.
If you have a quick question about Queer Talk’s approach to LGBT therapy in Chicago, you can reach out a number of ways.
Troy Johnson, LCSW • Licensed Clinical Social Worker (ID, IL, KY, MA, PA, UT, VA) • MSW, University of Kentucky • Founder, Queer Talk Therapy
All sessions and chemistry calls are scheduled by availability only.
Week Days
If you are experiencing a crisis please call the Suicide Hotline at 988 or local Emergency Services at 911.