We simplify insurance for ABA therapy
Alpaca Health is proud to partner with many of the largest health insurers in the states we serve. Most families find that their coverage includes ABA therapy for autism spectrum disorder (ASD), and we’re here to help guide you every step of the way.
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.
Aetna
Blue Cross Blue Shield
Cigna
TriCare West
Health First Colorado Medicaid
Texas Medicaid
Curative
Anthem BCBS
Get ABA Therapy Covered by Insurance with Alpaca Health
Alpaca Health completely handles the process of dealing with insurance, so you don’t have to.
Insurance companies often use multiple plan names. To make things easier, here are the common variations we see. This list isn’t exhaustive and is updated periodically as plans change.
- 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
- Curative Health Insurance – Texas
- Curative Individual & Family Plans – Texas
- Curative Employer-Sponsored Plans – Texas
- Curative EPO Value Plan – Texas
- Curative PPO Plan – Texas
- Curative PPO Max Plan – Texas
- Curative Fully-Insured Plan – Texas
- Curative Level-Funded Plan – Texas
- Curative Network / First Health Network – Texas
- Curative Zero Copay / Zero Deductible In-Network – Texas
- Curative Behavioral Health Coverage Texas
- Curative Autism Spectrum Disorder Coverage Texas
- Curative Applied Behavior Analysis (ABA) Services Texas
- Curative Pediatric Behavioral Health Services Texas
- Curative Telehealth & Virtual Care Plan Texas
- Curative Preventive Care First Plan Texas
- Curative Family & Child Coverage Texas
- Curative Health Plan In-Network Only – Texas
- Curative No Copay / No Deductible Model Texas
- Curative Employee Health Plan – Texas
- CHAMPVA (Civilian Health and Medical Program of the Department of Veterans Affairs)
- CHAMPVA – Colorado
- VA CHAMPVA
- Veterans Affairs CHAMPVA
- VA Health Administration Center – CHAMPVA
- CHAMPVA for Dependents and Survivors
- CHAMPVA for Children
- CHAMPVA Family Coverage
- CHAMPVA Standard Program
- CHAMPVA Supplement Plan (Private Add-On)
- CHAMPVA with TriWest Provider Network (Colorado)
- VA Community Care Network (CCN) – Region 4 (TriWest)
- CHAMPVA Behavioral Health Network
- CHAMPVA for Spouses and Children of Disabled Veterans
- CHAMPVA for Families of Deceased Veterans
- VA Health Benefits – CHAMPVA Program
- CHAMPVA – Autism and ABA Services (via CCN)
- VA Community Care – CHAMPVA Authorizations
- TriWest / CHAMPVA Provider Network
- CHAMPVA Colorado – Family Eligibility
- Blue Cross and Blue Shield of Texas (BCBSTX)
- BCBS of Texas
- Blue Advantage HMO
- Blue Advantage Plus HMO
- Blue Advantage PPO
- Blue Choice PPO
- Blue Choice Preferred PPO
- Blue Essentials HMO
- Blue High Performance Network (BlueHPN)
- BlueCare EPO
- Blue Advantage HMO (Marketplace Plan)
- Blue Advantage PPO (On-Exchange)
- Blue Choice PPO (Employer / Group Plan)
- Blue Essentials Access HMO
- Blue Options PPO
- Blue Preferred PPO
- Blue Premier PPO
- Blue Cross and Blue Shield of Texas – Behavioral Health
- BCBSTX Autism / ABA Coverage Network
- BCBSTX Individual and Family Plans
- TRICARE West
- TRICARE West Region (Administered by Health Net Federal Services)
- TRICARE Prime
- TRICARE Select
- TRICARE Select (West Region)
- TRICARE Prime Remote
- TRICARE Prime Remote for Active Duty Family Members (TPRADFM)
- TRICARE Young Adult (Prime Option)
- TRICARE Young Adult (Select Option)
- TRICARE Open Access (Behavioral Health)
- TRICARE West Region – Health Net Federal Services (HNFS)
- TRICARE Reserve Select
- TRICARE Retired Reserve (Family Eligible)
- TRICARE for Active Duty Family Members (ADFM)
- TRICARE West Autism Care Demonstration (ACD)
- TRICARE Extended Care Health Option (ECHO)
- TRICARE West Behavioral Health Network
- TRICARE West – Civilian Provider
- Texas Medicaid (Children’s Medicaid)
- STAR (State of Texas Access Reform) Managed Care
- STAR Kids (Children and Young Adults with Disabilities)
- STAR Health (Foster Care Program)
- Medicaid Buy-In for Children with Disabilities
- Texas Health Steps (EPSDT)
- Autism Services (ABA Therapy)
- Applied Behavior Analysis under EPSDT
- Pediatric Behavioral Health Services
- Developmental and Autism Support Services
- Cigna Healthcare of Texas
- Cigna Individual & Family Plans – Texas
- Cigna Connect (Marketplace) Texas
- Cigna Simple Choice Plans – Texas
- Cigna HMO Texas
- Cigna PPO Texas
- Cigna LocalPlus Texas Network
- Cigna Open Access Plus (OAP) Texas
- Cigna SureFit Texas Plans
- Cigna Employer Group Plans – Texas
- Cigna Connect Bronze / Silver / Gold – Texas
- Cigna Individual & Family HSA/HDHP Plans Texas
- Cigna LocalPlus IN (National Network) Texas
- Cigna Employee & Family Small Business Plans Texas
- Cigna Behavioral Health & Autism Coverage Network Texas
- Cigna EPO Texas Plans
- Cigna Open Access Texas Network Plans
- Cigna Individual Marketplace Telehealth-Enabled Texas
- Cigna Connect Off-Marketplace (Texas)
- Cigna Employer Large Group Plans Texas
Find ABA Therapy Covered by Insurance Near You
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
FAQs About ABA Insurance
Do we need a diagnosis for ABA therapy to be covered by insurance?
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.
Do I need a referral for ABA therapy to be covered?
Sometimes. Certain insurance plans require a referral from your child’s primary care physician or pediatrician, while others allow you to go directly to an ABA provider. We can check your specific plan’s requirements during verification of benefits.
Does ABA therapy coverage require a prior authorization?
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.
Do I need proof of medical necessity for ABA therapy to be covered?
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.
How long does it take for insurance to approve ABA therapy?
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.
Are parent/caregiver training sessions covered by insurance?
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.
Does insurance cover virtual ABA therapy?
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.
What if my insurance doesn’t cover ABA therapy?
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.
Start ABA Therapy, Covered by Insurance
