Within 24 hours of you reaching out, we will share how your insurance covers ABA therapy – required documentation, typical timeline, and potential costs of therapy.
Referrals
Some Cigna plans require a referral from your pediatrician or primary care provider, while others allow direct access to ABA therapy.
Diagnosis
Network status and benefits can differ based on your state or region, even within the same insurance company.
Prior Authorization
Most plans require prior authorization and documentation of medical necessity before therapy begins. We handle this process for you.
Session limits and costs
Coverage limits, copayments, coinsurance, and deductibles vary by plan. Some plans offer unlimited sessions; others have annual caps.
Aetna
- Aetna Texas Health Insurance Plans
- Aetna Individual & Family Plans – Texas
- Aetna Connect (Marketplace) – Texas
- Aetna Open Choice PPO – Texas
- Aetna HMO / EPO Texas Network
- Aetna LocalPlus Network Texas
- Aetna Simple Choice Plans – Texas
- Aetna High-Deductible / HSA Compatible – Texas
- Texas Health + Aetna (Employer Group) Plans
- Aetna Child & Family Coverage – Texas
- Aetna Individual & Family Plans (Bronze/Silver/Gold) – Texas
- Aetna Behavioral Health & Autism Coverage Network – Texas
- Aetna Pediatric Behavioral Health Services – Texas
- Applied Behavior Analysis (ABA) Services – Aetna Texas
- Aetna Telehealth Enabled Plans – Texas
- Aetna Employer Small Business Plans – Texas
- Aetna Large Employer Group Plans – Texas
- Aetna Individual Marketplace Telehealth & Virtual Care – Texas
- Aetna LocalPlus IN / National Network – Texas
- Aetna Individual & Family Network Plans – Texas
Aetna
- Aetna Health Network Only
- Aetna Health Network Option
- Choice POS / Choice POS II
- Choice POS II (Formerly Coventry OAP)
- Elect Choice HMO (includes Aetna Health Funds)
- HMO / POS / EPO / PPO
- Managed Choice Open Access PPO
- Managed Choice POS
- National Advantage Program (NAP) PPO
- Open Access Aetna Select
- Open Access Elect Choice (includes Aetna Health Funds)
- Open Access HMO
- Open Choice PPO
- Open Choice PPO (SOI / Out-of-State)
- QPOS (Quality Point-of-Service)
- Select (Employer / Small Group)
- Signature Authority (ASA or SRC PPO)
- Upfront Advantage
- Aetna Choice POS II (Employer Plan)
- Aetna Open Access Managed Choice
Check Your Insurance Coverage
We'll explain your costs, network status, and help you get started.
Many insurance plans work across state lines, and we serve families nationwide. Select your state below to confirm network availability and learn about providers in your area. We'll verify your benefits and help you get started with personalized ABA therapy.
States We Serve
Explore our coverage areas and find providers near you
Top Cities We Serve
Quick access to our most popular locations
In most cases (with some exceptions, such as Colorado Medicaid), insurance plans require a formal diagnosis of Autism Spectrum Disorder (ASD) from a qualified provider—such as a developmental pediatrician, neurologist, psychologist, or psychiatrist—before ABA therapy can be covered. Without this diagnosis, insurers typically do not consider ABA therapy medically necessary.
Almost always. Prior authorization means your insurance company must review and approve the treatment plan before services can start. Our team handles this process for you, submitting the necessary clinical documentation to ensure approval.
Yes. Insurance companies require documentation showing that ABA therapy is medically necessary for your child’s development. This is usually demonstrated through the diagnostic report and a treatment plan written by a BCBA outlining specific, measurable goals.
Approval times vary by insurer, but typically range from 1–3 weeks after all documents are submitted. Delays can occur if additional information is requested. Our team stays in close contact with your insurance to help move the process along.
Yes, most plans include coverage for caregiver training as part of the ABA treatment program. These sessions are considered essential because progress is greatest when parents and caregivers are part of the learning process.
Many insurers do cover telehealth ABA sessions, especially for parent training or supervision by a BCBA. Coverage may depend on your state and specific plan. We can confirm eligibility during your benefits check.
If your plan excludes ABA or limits coverage, we’ll walk you through alternatives—such as appealing the denial, switching to a plan with autism benefits, or exploring private pay or grant options. Some states also offer Medicaid or autism mandates that ensure ABA coverage.
Get Started With ABA Therapy Today
