Question 1

How much does ABA therapy cost in Chicago?

Accepted Answer

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.

Question 2

What is Illinois's $36,000 ABA insurance cap?

Accepted Answer

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.

Question 3

Does Illinois Medicaid cover ABA therapy?

Accepted Answer

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.

Question 4

How do Chicago ABA costs compare to national averages?

Accepted Answer

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.

ABA Therapy Cost in Chicago

ABA Insurance Coverage in Illinois

What to Expect in Chicago

Frequently Asked Questions

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