Rachel Dubrow, LCSW and Associates accepts self pay clients as well as those wanting to use insurance.


We accept most private insurance and are in-network with the following insurance:

  • Blue Cross Blue Shield PPO

  • Blue Cross Blue Shield HMO – NorthShore Hospital System

    • out-of-network providers: we will submit claims on your behalf as the panel is currently not accepting new providers

  • Lyra Health - sponsored by select employers only​

  • Modern Health - sponsored by select employers only​

All co-pays and fees are due at the beginning of each session via cash, check, Zelle, or QuickPay.


We also see several clients in our practice who use their out-of-network benefits because the reimbursement to clients is comparable to what they might pay as a co-pay. To use your out-of-network benefits, you would pay our full fee and would receive a superbill to submit to insurance directly. The superbill has everything that is required by the insurance companies to adequately process your claim. 

If you choose to utilize your insurance for out-of-network coverage, we encourage you to contact your insurance company and ask the following questions:

  • Do I have mental health coverage?

  • What is the out-of-network coverage for CPT codes 90791 (Initial Evaluation) and 90834 (Psychotherapy)?

  • How many sessions will be covered per calendar year?

  • What is my out-of-network deductible? Has it been met?


Please note that we require 24-hour notice if you need to change or cancel your appointment. Call or email to cancel or reschedule at least 24 hours prior to your appointment time to avoid charges. We realize life happens and give every active client one “freebie” late cancellation or no show. With the exception of true emergencies, active clients will incur the full fee for every late cancellation or no show thereafter. We appreciate your cooperation with this policy.

400 Central Ave, Northfield, IL

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Serving anxious young adults, adults wanting work/life balance, and couples in Northfield, Northbrook, Glenview, Highland Park, Wilmette, Evanston, Deerfield, Chicago, and the surrounding suburbs.