Financial assistance for ABA therapy
At Action Behavior Centers, we believe every child diagnosed with autism spectrum disorder (ASD) deserves access to applied behavior analysis (ABA) therapy, no matter their family’s financial situation.We know that therapy costs, especially when working toward your deductible or maximum out-of-pocket (MOOP), can feel overwhelming. Our goal is to make the process clear and manageable so your child can begin ABA without extra financial stress.
Action Behavior Centers accepts most insurance providers:
How we help families afford ABA therapy
Many families qualify for ABA therapy for autism at little to no cost once insurance and financial assistance are applied. If you’d like full details about accepted plans and in-network coverage, visit our Insurance Coverage page or explore our state-specific insurance checker.
Our insurance specialists walk you through every step so you understand your options from the start:
Insurance verification
We call your insurance company to verify your child’s ABA therapy coverage, deductible information, and any out-of-pocket costs.
Pre-authorization support
If required, we submit all paperwork to your insurance provider to confirm medical necessity for ABA therapy.
Direct billing
After each ABA therapy session, we submit claims directly to your insurance company for hassle-free payment.
Charity Care program
Families who qualify under federal poverty guidelines may receive financial assistance based on income level. Our Charity Care program is designed to reduce or eliminate financial barriers so children can access medically necessary ABA therapy.
Sliding-scale payment options
For families who qualify, we offer payment options based on income level. Our specialists will review your situation and help you understand what assistance may be available.
Understanding your out-of-pocket costs
Your total responsibility depends on your individual insurance plan and financial situation.
Key cost factors include:
In-network vs. out-of-network coverage
FAQs about ABA therapy costs & insurance coverage
The cost of ABA therapy varies based on your child’s needs, your insurance plan, and where you live.
How much does ABA therapy cost in the U.S.?
Families paying out of pocket often find that insurance covers most, or sometimes all, of the expense, particularly once their deductible or MOOP (maximum out-of-pocket), has been met.
All private commercial health insurance companies and Medicaid programs in the U.S. cover ABA therapy to some degree. Since coverage can be complex, our insurance specialists verify your benefits for you.
We provide clear information on:
- Your out-of-pocket costs
- How many ABA therapy hours your insurance covers
- The number of ABA therapy hours recommended by your child’s clinical team, based on a thorough assessment of their unique needs and your family’s goals
Does insurance cover ABA therapy?
Yes. Most health insurance plans cover ABA therapy, and we are proud to be in-network with the largest insurers in our service areas. At ABC, our insurance specialists handle the details for you. We verify your child’s coverage, complete any necessary pre-authorization paperwork, and directly bill the insurance company.
What if my insurance doesn’t cover all of the recommended therapy hours?
If your insurance company approves fewer hours than recommended, our team will appeal on your behalf. We also discuss financial assistance options to ensure your child gets as much support as possible.
Do I have to reach my deductible before insurance covers ABA therapy?
In most cases, yes. Families are responsible for their deductible and any applicable copays or coinsurance until their maximum out-of-pocket (MOOP) is met. After that point, insurance typically covers 100% of remaining ABA therapy costs for the year.
Can I make a copay as I do at a doctor’s office?
If your plan requires a copay or coinsurance, you can pay securely through our online patient portal. During admissions, we provide a clear estimate of anticipated out-of-pocket costs.
Prepare them for a bright future with ABA therapy
Start ABA therapy today. Our online interest form helps us match you with a center near you. We will be in touch soon.
