Insurance-Backed Options for Depression Treatment in Illinois

Insurance-Backed Options for Depression Treatment in Illinois

Matt Rodriguez • April 1, 2025

Finding effective depression treatment can be challenging, especially when cost and insurance coverage add to the stress. Fortunately, for individuals in Illinois, several advanced, insurance-backed options are available beyond traditional antidepressants and therapy. This article explores innovative treatments for depression that are available at our Albany Clinic in Carbondale. 


Addressing the Need for Affordable Depression Relief in Illinois

Depression remains a significant public health concern in Illinois. In 2023, data showed that 18.1% of all adults in the state had a doctor's diagnosis of a depressive disorder

Traditional first-line treatments for depression include medications such as selective serotonin reuptake inhibitors (SSRIs) and serotonin-norepinephrine reuptake inhibitors (SNRIs). However, these are not universally effective; approximately one-third of patients are treatment-resistant. Even when these medications do work, they often take a long time to produce noticeable improvements, and unpleasant side effects can deter their use. 

Talk therapies, such as cognitive behavioral therapy (CBT) and psychodynamic therapy, are also strongly recommended. These treatments can have hugely beneficial effects, but it can require a lot of time commitment for results to show. Moreover, not all therapists accept insurance–especially for those practicing more specialized forms–making the treatment inaccessible for many.

Spravato (Esketamine) for Depression

What is Spravato, and how does it work?

Spravato is an FDA-approved nasal spray that contains esketamine, a derivative of ketamine. Like ketamine, esketamine treats depression by interacting with NMDA receptors, proteins that play a key role in learning and memory. This interaction triggers several neurological processes, including neuroplasticity—the strengthening and forming of connections between nerve cells. Enhanced plasticity may improve the function of nerve circuits responsible for mood regulation, increasing overall well-being. 

A typical Spravato treatment involves sessions administered under medical supervision, starting with twice-weekly doses and then tapering as appropriate. Whereas antidepressants typically take around four weeks to show an effect, Spravato can have rapid action at alleviating symptoms. A study found that Spravato significantly reduced depression symptoms compared to a placebo drug within just 24 hours of administration.

Does Insurance cover Spravato?

Due to its FDA approval, Spravato is covered by most major insurance plans in Illinois, including Medicare and Medicaid. However, only patients with a formal diagnosis of treatment-resistant depression (TRD) or major depressive disorder with suicidal ideation (MDSI) are eligible for the treatment. 

While the medication is usually covered by insurance, patients may still have out-of-pocket costs, including copays, deductibles, and pre-treatment medical evaluations. Your exact expenses will depend on your specific insurance plan. At the Albany Clinic, we’re here to help you understand your costs and maximize your coverage.

Transcranial Magnetic Stimulation (TMS) Therapy

What is TMS, and how does it work?

TMS therapy is a noninvasive procedure that uses magnetic fields to stimulate underactive regions of the brain associated with mood regulation. In depression, TMS targets the dorsolateral prefrontal cortex (DLPFC), which is often less active in individuals with the condition.

TMS therapy works by:

  • Inducing electrical activity in neurons, prompting the release of neurotransmitters involved in mood and motivation.
  • Increasing the activity of neural circuits responsible for mood regulation.
  • Enhancing neuroplasticity, potentially “re-wiring” nerve circuits associated with unhealthy thinking and behavior. 

The treatment protocol typically consists of daily sessions over several weeks. Each session lasts about 20-40 minutes, during which patients remain awake and alert. 

Does insurance cover TMS?

Since TMS therapy is FDA-approved, some major insurance providers in Illinois cover costs, but unfortunately, the state’s Medicaid does not. If you're considering TMS, check with your insurance provider to see if your plan includes coverage, as eligibility and benefits vary. At the Albany Clinic, we're here to help clarify details and explore options to make treatment more affordable.

IV Ketamine Infusion Therapy

What is an IV ketamine infusion and how does it work?

IV ketamine infusion therapy involves administering ketamine intravenously at sub-anesthetic doses. This approach has shown rapid and robust antidepressant effects, especially in individuals with treatment-resistant depression.

IV ketamine shares the same mechanism as Spravato but tends to have more rapid-acting effects. A standard course includes multiple infusions over a set period, with each session lasting approximately one hour. 

Does insurance cover IV ketamine?

Unlike Spravato and TMS, IV ketamine infusion therapy is not FDA-approved for depression treatment and instead is used “off-label.” This means most insurance plans don’t accept ketamine, and coverage is limited. 

However, some insurance companies may reimburse some of the treatment costs, such as the evaluation and management part. At the Albany Clinic, we’ll provide you with all the documentation to submit a claim to your insurance provider, but full payment is required before each procedure. 

Navigating Insurance for Depression Treatment 

Understanding insurance coverage for depression treatments can be complex. Here are steps to help streamline the process:

  1. Verify Coverage: Contact your insurance provider to inquire about treatment coverage specifics. Some insurers require a history of treatment failures with traditional antidepressants before approving coverage for these advanced therapies.
  2. Obtain Pre-Authorization: Many insurers require pre-authorization for certain treatments. Ensure all necessary approvals are secured before initiating therapy. The Albany Clinic's administrative team can assist in submitting pre-authorization requests.
  3. Understand Financial Responsibilities: Clarify any co-pays, deductibles, or out-of-pocket expenses associated with your treatment plan. 
  4. Consult Our Team: The Albany Clinic's administrative staff is experienced in navigating insurance processes and can assist you in understanding and managing the financial aspects of your treatment. We also provide financial counseling to help patients explore payment plans and reimbursement options.

Going Forward

Navigating insurance for depression treatment can be complex, but you don’t have to do it alone. At The Albany Clinic, we’re dedicated to helping patients access effective, insurance-backed treatments while minimizing out-of-pocket costs. Contact us today to learn more about your options and take the next step toward relief.

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By Kimberly Mercille September 4, 2025
Living with post-traumatic stress disorder (PTSD) can be debilitating. Nightmares, flashbacks, and a constant sense of being “on edge” can interfere with work, relationships, and overall quality of life. If you’ve tried therapy or medications without lasting relief, you’re not alone—and there may be another option. At the Albany Clinic in Carbondale, Illinois, we specialize in ketamine therapy as a promising treatment for PTSD. Understanding PTSD Post-traumatic stress disorder (PTSD) develops after experiencing or witnessing trauma. While everyone responds to trauma differently, common symptoms include: Intrusive memories or flashbacks Avoidance of reminders of the trauma Emotional numbness or detachment Heightened anxiety , irritability , or trouble sleeping Some people also develop complex PTSD (CPTSD) , which stems from repeated or prolonged trauma. CPTSD often comes with additional challenges, such as difficulty regulating emotions or maintaining healthy relationships. Current Treatments and Their Limitations The most common treatments for PTSD include cognitive behavioral therapy (CBT) , eye movement desensitization and reprocessing (EMDR) , and antidepressant medications . For many people, these treatments can be helpful. However, they also come with challenges: Medications may take weeks to work and don’t help everyone. Therapy can take months or years to create lasting change. Therapies can be difficult to engage with, as they involve discussing the trauma, which can be distressing or may cause someone to shut down emotionally. Some individuals continue to experience severe symptoms despite treatment. This is where ketamine therapy offers a new avenue of hope. How Ketamine May Help PTSD Ketamine works differently from traditional antidepressants. Instead of gradually altering brain chemistry, ketamine acts quickly on key brain circuits involved in mood and fear. Rebalancing brain activity : Ketamine boosts activity in the prefrontal cortex , the part of the brain that helps regulate emotions. It also decreases activity in the amygdala , the brain’s fear center, helping reduce anxiety and hypervigilance. Promoting neuroplasticity : Ketamine encourages new connections between brain areas, helping “rewire” pathways associated with PTSD symptoms. Supporting fear extinction : Ketamine supports fear extinction, the process by which the brain ‘unlearns’ fearful responses to things it expects to be threatening. This is especially important in PTSD, where people may react to safe situations or cues as if they were actual threats. Benefits of Ketamine for PTSD Research continues to grow, but studies and clinical experience have shown several promising benefits: Rapid relief : Many patients notice improvements within hours to days, rather than weeks. This can be especially important during a mental health crisis or for those struggling with suicidal thoughts. Effective when other treatments have failed : Ketamine can offer relief even for people who haven’t responded to medications or therapy. Sustained improvement : With a series of treatments, many patients experience lasting relief from PTSD symptoms. Increases the benefits of other therapies : Ketamine may speed up the outcomes of other trauma-based therapies, such as prolonged exposure therapy . In a 2021 study , people with severe PTSD received either ketamine or a comparison drug over two weeks. Those given ketamine showed much faster and greater improvement in PTSD and depression symptoms. About 67% had significantly improved symptoms , with the biggest differences in intrusive memories, avoidance, and negative thoughts and mood. The treatment was also well-tolerated with few adverse effects. Ketamine Treatment for PTSD at the Albany Clinic At the Albany Clinic in Carbondale, Illinois, we are dedicated to providing safe, effective ketamine therapy for people with PTSD and other psychiatric disorders. We administer ketamine intravenously to support a rapid reduction in symptoms. Here’s what you can expect: A thorough medical and psychiatric evaluation before treatment begins Comfortable, private treatment rooms Careful monitoring by experienced medical professionals throughout each session A personalized treatment plan designed around your needs During your treatment, you’ll have a small plastic catheter inserted into a vein in your arm, which will deliver ketamine straight into your bloodstream. You may experience mild side effects, such as dizziness and dissociation , which can make you feel disconnected from your body and the world around you. These typically wear off after the session is finished. The infusion takes 45 minutes to one hour , and you’ll be closely monitored by staff during the infusion and afterwards to ensure your safety. We’ll provide you with guidance on aftercare once you’re done and how to make the most of your new headspace. Most people with PTSD require multiple infusions to experience sustained, meaningful changes. However, the treatment plan will be tailored according to your unique needs. Get in Touch Today If you or a loved one is struggling with PTSD and current treatments haven’t provided the relief you need, ketamine therapy may be an option worth exploring. At the Albany Clinic, we are here to answer your questions and guide you through every step of the process. Get in touch to find out more.
By Matt Rodriguez September 2, 2025
Depression is one of the most common mental health conditions, affecting millions of people across all walks of life. While many find relief through traditional methods, they don’t work for everyone. Some people can struggle with depression for nearly a lifetime, and in severe cases, may even consider taking their own lives. At The Albany Clinic, we specialize in innovative, evidence-based treatments that can help patients overcome depression, even when other therapies haven’t worked. In this article, we’ll discuss these treatments and how clinics such as our own are saving lives.
By Kimberly Mercille July 9, 2025
As ketamine therapy becomes increasingly popular for treating mental health conditions like depression and PTSD, more people are exploring their options. At-home ketamine therapy gained traction during the pandemic for its convenience, but without medical supervision, this approach may come with elevated risks. In this article, we’ll explore some of the key differences and pros and cons of in-clinic versus at-home ketamine therapy. What Is In-Clinic Ketamine Therapy? IV Ketamine Treatment In-clinic ketamine therapy involves receiving treatment at a licensed medical facility, such as The Albany Clinic , where professionals monitor and administer the medication under strict protocols. This ensures your safety, especially during your initial sessions. At The Albany Clinic, we specialize in intravenous (IV) ketamine infusion therapy , which has been most well-researched when it comes to treating mental health disorders. IV ketamine bypasses the digestive system, delivering the medication directly into the bloodstream. IV ketamine can help relieve symptoms of various mental health disorders, including depression , anxiety , post-traumatic stress disorder (PTSD) , and more. During an infusion at our clinic, you’ll rest in a calm, controlled environment while ketamine is delivered into a vein through a catheter. Our trained staff will closely monitor your vital signs and mental state throughout the session, adjusting the dose of ketamine if needed. We’ll observe you after treatment to ensure any side effects are managed promptly and effectively. Spravato We also offer Spravato (esketamine) at our clinic, a nasal spray based on ketamine. Unlike other forms of ketamine treatment, Spravato is approved by the FDA and is specifically for adults with treatment-resistant depression or major depressive disorder with suicidal thoughts . Spravato is only approved for in-clinic use under professional supervision and cannot be administered at home, making clinical oversight a legal and medical necessity for this treatment option. During a Spravato session, you’ll self-administer the medication under the supervision of our medical staff. We’ll then closely monitor you for a couple of hours to ensure you’re safe and all side effects have subsided before leaving. What Is At-Home Ketamine Therapy? At-home ketamine therapy allows patients to self-administer the ketamine, typically in the form of lozenges or nasal sprays, delivered via mail. While this option offers flexibility, it usually involves minimal supervision , often limited to virtual check-ins with healthcare providers. Some at-home providers offer optional video support during sessions, but this is not always the case. Patients are largely responsible for monitoring their own physical and emotional reactions, without the benefit of immediate medical intervention if adverse effects occur. At-home treatment often includes supplementary materials , such as guided meditations or journaling tools. However, the lack of real-time clinical oversight makes this option less ideal for those with complex or severe mental health needs. Safety Considerations: In-Clinic vs. At-Home While ketamine therapy is considered safe for most patients, it does come with potential physical and psychological side effects , including: Physical Risks: Elevated blood pressure or heart rate Nausea or vomiting Sedation or dizziness Impaired coordination Rare allergic reactions Psychological Risks: Hallucinations or dissociation Temporary confusion or anxiety Emotional vulnerability during treatment Risk of misuse or dependency The FDA has issued warnings about at-home ketamine use due to its potential for abuse and lack of medical supervision . Without proper monitoring, the risk of addiction and long-term complications, such as bladder damage and cognitive decline, may increase. Key Differences Between In-Clinic and At-Home Ketamine Therapy