Helping You With Treatment Fees and Insurance

Rosecrance wants to help you or your loved one get the expert treatment that leads to lasting recovery. That’s why we work with our clients to help ensure that care is affordable and why we accept most insurance plans.

Please take a minute to review our financial policies, including fees and insurance coverage.

An overview of fees and financial policies

Rosecrance is a not-for-profit healthcare provider. We keep our fees as low as possible as an ongoing policy.

Rosecrance clients may receive two types of charges. These are known as “routine charges” and “non-routine charges.”

Routine charges. Every client who is treated at Rosecrance will be billed for routine charges, which are covered under our daily rate for treatment. If you receive inpatient treatment, you may have to pay fees for routine items like room and board, group therapy and individual sessions with a counselor. If you receive outpatient treatment, you’ll pay fees for group and individual sessions.

Non-routine charges. Not all Rosecrance clients need items and services such as prescription medications, lab work, psychiatric consultations, special medical care, or certain other services. The costs for these non-routine items are in addition to the daily rate; however, they may be covered by insurance. Your patient account representative will be glad to explain these fees.

To better understand our fees and financial policies, please review this information:

Financial Policies and Responsibilities (PDF)

We’ll help you estimate your cost of care

Your Rosecrance patient account representative will work with you ahead of time and during your or your loved one’s admission into our program to estimate the cost of care. You and your representative will then work together to develop a financial plan that is both realistic and suited to your needs. Your representative will help verify your insurance coverage and talk with you about any co-payments or required deposits. We’ll also help you find out if you are eligible for other sources of payment if help is needed.

Health insurance and Rosecrance

You and your representative will work together to verify your insurance benefits. We recommend you contact your insurance carrier directly and make sure you understand your benefits. Depending on the coverage, a payment may be required at admission.

We accept a variety of plans from the following insurance providers:

  • Aetna Behavioral Health – Illinois
  • Aetna Behavioral Health – Wisconsin
  • (The) Alliance
  • BCBS of Illinois
  • BCBS of IL MCO (Managed Medicaid)
  • BCBS WI/Anthem
  • Beacon Health/Value Options
  • Illinicare Health Care MCO (Managed Medicaid)
  • Cigna
  • ComPsych
  • Dean Care
  • ECOH
  • Forward Health WI (WI Only)
  • Harmony Health Care MCO (Managed Medicaid) – contract pending)
  • Health Alliance
  • Humana
  • Magellan
  • Medicaid – Illinois
  • Medicare – Part B
  • MercyCare
  • Meridian HealthCare MCO (Managed Medicaid)
  • MHN
  • Molina Healthcare MCO (Managed Medicaid)
  • Multiplan
  • New Avenues
  • Quartz/Unity/Physicians Plus
  • United Behavioral Health
  • WEA Trust
  • WPS
  • Zelis/HFN

New Life

  • Aetna Behavioral Health
  • Amerigroup – IA
  • BCBS Wellmark
  • Beacon/Value Options
  • Midlands Choice
  • United HealthCare – IA
  • Iowa Medicaid

For those who don’t have insurance

If you don’t have health insurance coverage, we’ll provide you with an estimate of your cost based on what our doctors recommend. We will then need part of the charges paid before you begin treatment.

Financing may be available for treatment

Rosecrance works with a respected company called American HealthCare Lending to help clients who need to finance their treatment. American HealthCare Lending is the premier financing company in the mental health industry, having helped more than 300,000 patients nationwide.

If you receive a loan from American HealthCare Lending you can benefit from:

  • A fast and easy application process
  • Immediate decisions for loans under $35,000
  • Term options out to 84 months to help make payments affordable
  • No collateral required
  • No prepayment penalties
  • 100% confidentiality

Click here to apply with American HealthCare Lending online.

Frequently Asked Questions About Our Fees

Does Rosecrance accept Medicaid or state funding?

Yes. Your patient account representative will help you find out if you are eligible for this funding.

What forms of payment does Rosecrance accept?

Rosecrance accepts the following forms of payment:

  • Cash
  • Checks
  • Money orders
  • Visa, MasterCard and Discover

What documents are needed for admission?

Depending on how you will pay for care, you may need to provide some or all of the following documents before starting treatment:

  • Driver’s license
  • Insurance card
  • Copy of most recent pay check stub
  • Copies of outstanding medical bills
  • Most recent federal tax return
  • Proof of Social Security earnings
  • Proof of exhaustion of third-party payers
  • Proof of dependency (for minors)
  • A statement explaining how you pay for your living expenses (if you are unemployed with no source of income)
  • Statement for non-retirement accounts

Is charity care available?

Some clients are unable to pay for treatment and are also not eligible for federal or state medical assistance programs. To help them receive care, Rosecrance may offer charity care assistance in some cases.

Rosecrance actively raises funds for charity care of this kind; however, the amount of this assistance is limited. Before admission, we’ll work with you to see if you qualify.

For additional information, talk to your patient account representative.

To apply for financial assistance, download, print and fill out the Application for Financial Assistance (PDF).

What is the Blue Cross and Blue Shield of Illinois Pre-Certification Penalty?

Many Blue Cross and Blue Shield plans will charge a penalty if a patient is admitted to a residential treatment facility without obtaining pre-certification at least one business day prior to admission. Please download this letter (PDF) for more information.

Can Rosecrance answer additional questions?

If you have any questions about your bill or the information provided here or in Rosecrance brochures or other materials, please call 815-391-1000. Be sure to ask for one of our patient account representatives.