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Understanding Insurance

Understanding Insurance -
Made Simple

Navigating insurance can feel overwhelming. Our team handles the details and walks you through every step so you can focus on your child – not paperwork.

Connect with Our Insurance Specialist
Connect with Our Insurance Specialist

How Insurance Coverage Works for ABA

ABA therapy is covered by most major health insurance plans, but benefits varies depending on your plan, employer, and state requirements. We verify your benefits, explain your coverage clearly, and outline next steps before service begin.

Insurance Plans We Accept

We work with a wide range of insurance providers, including but not limited to:

View Our Complete List of Insurance Providers by State
View our complete list of insurance providers by state here

Our Insurance Support Process

Benefit Verification
We contact your insurance provider to confirm ABA coverage and explain your plan in simple terms.
Eligibility Confirmation
We check whether ABA services are covered based on diagnosis and policy rules.
Authorization Submission
We submit all required paperwork to insurance and manage communication on your behalf.
Approval for Services
Once approved, we can move forward with scheduling your assessment and building your child’s treatment plan.
Ongoing Renewals
We handle continued authorizations throughout your child’s care — keeping everything up to date.

How Therapy Hours Are Determined

ABA hours recommendations are individualized based on your child’s assessment, developmental needs, and readiness for therapy. Insurance approval can influence the number of hours authorized

What to know:

  • Many young children benefit from more consistent, higher-intensity hours
  • Some plans may approve fewer hours, depending on diagnosis and benefits
  • Consistency matters more than the exact number of hours
  • If your plan denies requested hours, we help families appeal
View the CASP Guide to ABA Hours
View the CASP Guide to ABA Hours

Understanding Your Costs

There are no surprises – we discuss expected costs in advance.
If you have financial questions or concerns, our team is here to explore available options and provide guidance.

The amount you must pay before your plan begins covering services.

A set payment you make at each visit (if your plan uses copays).

A percentage of the cost you pay until you reach your out-of-pocket maximum.

The most you’ll pay in a year. After you reach it, your plan may cover services at 100%.

Approval from your insurance provider for ABA services to begin or continue.

In-network providers typically mean lower costs for you.

A statement from your insurance company showing how a claim was processed.

Frequently Asked Questions

Most authorizations are processed within a few days to two weeks, depending on the plan.

Our team helps families understand the denial and submit appeals when appropriate.

Yes — we provide a clear breakdown of any copays, deductibles, or coinsurance.

Most insurance companies require an autism diagnosis for ABA coverage.

Just let us know — we’ll update your information and verify your new benefits.

ABA assessments are typically covered once authorization is approved.

We Handle the Paperwork. You Focus on Your Child.

Our insurance specialists advocate for your family and keep informed at every step.