Finding Financial Assistance for Chronic Traumatic Encephalopathy (CTE)

Chronic traumatic encephalopathy (CTE) is a progressive brain disease linked to repeated head injuries. From advanced imaging and specialist fees to long-term care and home modifications, out-of-pocket costs can quickly become overwhelming.

Potential costs of care range from neurological evaluations and mental health services to daily support and long-term planning. Understanding what to expect from CTE medical and related costs is an important step toward securing the resources you or someone you love will need for stability and quality of life.

In this post, we highlight how our nonprofit provides support for individuals and families through medical fundraising, helping to reduce the financial stress of costs associated with traumatic brain injuries caused by CTE.

CTE vs TBI: What’s the Difference?

TBI is an acute brain injury that happens at a specific moment in time, while CTE is a long-term disease linked to repeated brain trauma. Not everyone who experiences TBI develops CTE, but repeated TBIs and ongoing head impacts are considered significant risk factors.

CTE and TBI share overlap in terms of which out-of-pocket costs that individuals and families may have to cover, even with insurance. Learn the costs associated with a traumatic brain injury.

Estimated Costs of CTE Diagnosis and Care

While every CTE journey is unique, costs can vary significantly depending on the level of care required.

Although CTE is a distinct, progressive condition rather than an acute injury, it stems from repeated brain trauma and may involve similar categories of expenses, including intensive rehabilitation, medications, treatment services, and long-term support.

For individuals facing advanced symptoms, the total estimated first-year cost of managing a progressive brain condition can range from tens of thousands of dollars to well over $75,000 or more when extended care and supportive services are needed.

Research on patients with serious neurological impairment shows that extended inpatient rehabilitation alone

Common Out-of-Pocket Expenses for CTE

Many necessary CTE-related costs fall outside standard medical bills. Common out-of-pocket CTE expenses include:

• Health insurance premiums, deductibles, and co-pays
• Medications
• Travel expenses for rehabilitation and treatment
• Relocation or moving expenses related to the diagnosis (such as in the case of moving to be closer to a rehabilitation center or hospital for treatment)
• Temporary housing due to relocation
• Mileage, tolls, and parking fees for visits to rehabilitation center or hospital
• Specialized wheelchairs and other durable medical equipment
• Specially equipped vans and durable medical equipment
• Home modification related to the diagnosis
• Home health care services
• Assistive technology
• Physical therapy and vocational rehabilitation
• Experimental treatments

Does Insurance Cover Costs for CTE?

In most cases, medical insurance does not provide 100% coverage for the costs of a traumatic brain injury from a CTE diagnosis. Insurance may cover diagnostic scans, doctor visits, and some therapies; however, some costs like home adaptations, caregiving, and travel are rarely included, leaving families to find additional funding sources

Finding Financial Help with Help Hope Live

Help Hope Live is a 501(c)(3) nonprofit helping individuals and families facing CTE to launch campaigns. Our organization assists those seeking financial support for expenses related to the treatment and long-term care associated with CTE.

How Does Fundraising for CTE Work?

Fundraising with our nonprofit works as follows:

1. Complete a short campaign request at org/get-started/apply
2. We will contact you if community-based fundraising is a possible option
3. You’ll be paired with a Client Services Coordinator
4. Your Coordinator will provide you with one-on-one fundraising help, including personalized materials and guidance on how to rally your community, share your story on social media, reach out to the press, plan in-person or virtual fundraising events, and much more.