How Do People Afford ABA Therapy? Insurance, Grants, and More
Wondering how do people afford ABA therapy? Most families use a combination of insurance coverage, Medicaid, and financial assistance programs to manage the high costs. Since 2014, federal law requires most insurance plans—including Medicaid—to cover ABA therapy for children diagnosed with autism, making insurance the primary way people afford ABA therapy in North Carolina and across the U.S.
Some families also use Health Savings Accounts (HSAs) to pay for good quality ABA therapy with pre-tax dollars, while others seek grants from autism-focused organizations or local nonprofits to help cover expenses. For those without insurance, out-of-pocket costs can range from $4,800 - $20,000+ per month, depending on how many hours you take. So, exploring every funding option is essential. Always check your specific insurance plan for coverage details and ask providers about payment plans or sliding scale fees.
Need help navigating your options?
Call Little Rays ABA—our team can walk you through insurance, grants, and payment plans so your child gets the care they deserve.
Frequently Asked Questions (FAQs)
Is ABA worth the money?
ABA therapy is evidence-based and shown to improve outcomes for many children with autism, though individual results vary.
How do you bill for ABA therapy?
ABA therapy is billed per hour or session, often using CPT codes, and submitted to insurance or Medicaid for reimbursement.
Where do ABA therapists make the most money?
ABA therapists earn the highest salaries in states with high demand and higher living costs, such as California and New York.
What is the downside of ABA therapy?
Potential downsides include high costs, time commitment, and, for some, concerns about therapy intensity or approach. Always discuss options with your provider.
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