Cost Guide · Chicago, IL
ABA Therapy Cost in Chicago
Hourly Rate
$140–$210/hr
Monthly Est. (20 hrs/wk)
$11,000–$18,000/mo
vs. National Average
Above National Average
ABA Insurance Coverage in Illinois
Annual Cap
$36,000/yr
Age Coverage
Covers through age 21
Medicaid Coverage
Illinois Medicaid (MMAI and Medicaid Managed Care) covers ABA for children with autism.
What to Expect in Chicago
Chicago-area ABA rates are significantly higher than downstate Illinois, reflecting a competitive provider market and higher cost of living. Illinois's insurance mandate caps annual benefits at $36,000 for individuals through age 21. Most major carriers operating in Illinois cover ABA up to this cap, though intensive full-time programs (30+ hrs/week) will typically exhaust the annual limit.
Frequently Asked Questions
How much does ABA therapy cost in Chicago?
ABA therapy in Chicago typically costs $140–$210 per hour. For 20 hours per week, families can expect monthly costs of $11,000–$18,000 without insurance. Illinois commercial insurance covers ABA up to $36,000 per year for individuals through age 21.
What is Illinois's $36,000 ABA insurance cap?
Illinois law (215 ILCS 5/356z.14) requires insurers to cover ABA therapy up to $36,000 annually for individuals through age 21. For part-time programs (10–15 hours/week), this cap is often sufficient. Families pursuing intensive programs (30–40 hours/week) will likely exhaust the cap mid-year and face out-of-pocket costs.
Does Illinois Medicaid cover ABA therapy?
Yes. Illinois Medicaid covers ABA therapy for children with autism through the Medicaid Managed Care and MMAI programs. Families must obtain a diagnosis and prior authorization. Coverage through Medicaid is not subject to the $36,000 commercial insurance cap.
How do Chicago ABA costs compare to national averages?
Chicago ABA rates ($140–$210/hr) are above the national average of $120–$150/hr. The premium reflects Chicago's higher cost of living and BCBA compensation levels. Families in suburban Cook County or DuPage County may find rates 10–20% lower than in the city proper.
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