Learn About Rosecrance’s Financial Policies and What to Expect

It’s important to understand the financial policies at Rosecrance so you’ll know what your costs will be. With the understanding and compassion we’re known for, we’ll explain our financial policies before you get started and talk with you about your financial situation. We’ll also be happy to help determine if you qualify for financial assistance. (Please note, however, that we are limited in how much assistance we’re able to provide.)

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

What are the costs and fees at Rosecrance?

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 are fees for standard services. For inpatients, these fees may include, but are not limited to, room and board, group therapy and individual sessions with a counselor. Routine fees for outpatient treatment typically include the costs for group and individual sessions. Routine fees are covered under Rosecrance’s daily rate for treatment.

Non-routine charges vary because not all Rosecrance patients require these services. Non-routine fees may include, but are not limited to, prescription medications, lab work, psychiatric consultations, individual mental health sessions, and special medical care. They may also include room and board charges if your insurance policy doesn’t cover those costs. Non-routine fees are in addition to the daily rate. Your patient account representative can explain the rates for these services.

This PDF can help you better understand our financial policies: Financial Policies and Responsibilities (PDF)

This form may be needed to verify your income: Mental Health Income Verification Form (PDF)

Can I estimate the cost of treatment?

A Rosecrance patient account representative will work with you before and during admission, as well as throughout your stay, to develop a realistic funding plan that meets your personal circumstances. The representative will help to verify your insurance coverage and arrange any required deposits or co-payments with you. Depending on your coverage, a payment may be required at admission. If you qualify for public funding, we will help you access that funding.

Does Rosecrance accept insurance?

Rosecrance staff will work with you to verify your insurance benefits. However, we recommend that you contact your insurance carrier personally to make sure you fully understand your benefits. 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

We will work with you to estimate the cost of your care.

What if I 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.

Is state funding available?

Your patient account representative will evaluate your eligibility for state funding and discuss this with you.

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?

We accept the following forms of payment:

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

Who can I contact if I have questions?

If you have any questions about your bill or the information provided in this brochure, please call 888-928-5278 and ask for one of our patient account representatives.

What documents do I need to bring?

Depending on the type of insurance or funding you have, you may be asked to provide some or all of the following documentation:

  • 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?

Rosecrance knows there are times when patients aren’t able to pay for medical care. Sometimes these patients are also not eligible for federal or state medical assistance programs. These patients may qualify for charity care assistance.

Rosecrance actively raises funds for charity care, but such financial assistance is limited. If a patient needs financial help, we will conduct a financial assessment before admission. As part of the process, the patient will need to complete this form: 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.

For additional information, please contact your Rosecrance patient account representative, or call 888-928-5278.