Will my insurance actually pay for ABA therapy?
Clinically reviewed by Ruth Gluck, MSEd, BCBA
Here's the honest answer: coverage varies by plan, so nobody can tell you from a website — but most Kansas and Colorado families end up paying little or nothing for ABA once their benefits are confirmed. Here's how to get your plan's real answer without weeks of hold music.
Why we won't guess at your coverage
Every plan writes its own rules — Medicaid or private, big employer or marketplace. Two families on the same street can have completely different benefits. Any provider who promises coverage before checking your specific plan is guessing, and guessing is how families get surprise bills.
So we don't guess. We check. The plan documents tell the truth, and reading them for families is our intake team's daily work.
Medicaid and private plans both welcome
We work with families on Medicaid and families with private insurance across both states, and the process is the same either way: we confirm your child's benefits first, then handle whatever approvals your plan requires before therapy starts.
That approval paperwork is ours to prepare, submit, and chase — not yours.
What you might pay
Your share depends on your plan's deductible, copays, and out-of-pocket maximum — not on ABA specifically. Many families hit their out-of-pocket max early in the year and pay nothing after that. Medicaid families typically pay nothing at all.
Before your child starts, we give you a plain-English summary of your specific benefits: what's covered, what you'd owe, and when. No surprises is a rule here, not a slogan.
The free way to find out for sure
Send us the front and back of your insurance card. Within about a business day, our team verifies your ABA benefits directly with your plan and calls you with the answer. It's free whether or not you ever work with us.