Therapy 305 : Understanding Insurance Coverage for ABA Therapy!

Financial outcomes while in treatment!

What Set Us Apart?

10+ Florida Insurance Companies Accepted

If you have questions about insurance therapy coverage, you can always contact us. We’re here for you — Therapy 305 will help you navigate your insurance coverage and financial outcomes before beginning treatment as well as during therapy. The conversation starts with you. We listen and will help you think things through, adding an unmatched level of expertise and caring guidance so you can help your child find their way. Speak with us today.

Therapy 305 understands how important insurance benefits are for each patient. The range of clinical and insurance information needed to qualify for and receive ABA services can be daunting, but our admissions team works with families to verify insurance coverage, provide an overview of financial commitments, and help create plans that reduce surprises along the path to receiving ABA therapy. We accept most major insurance carriers, though ABA benefit coverage can vary. Please contact us for assistance in verifying your individual coverage and to discuss any considerations. We are looking forward to meeting with you soon!

Do you Understand Your Insurance Coverage?

Let us help you navigate your insurance coverage and financial outcomes before and while in treatment.

Outlined below is some important information about public and private insurance.

Insurance Authorization Generally Takes One to Two Weeks
The cost of ABA therapy depends on your insurance coverage and how many hours of treatment your child will need.
We can estimate coverage amounts once we complete a psychological assessment and determine how many hours of ABA your child will need.
Deductibles, Copays, Coinsurance, and Out-of-Pocket Limits
You may have to meet a deductible, which is the amount you pay for covered health care services before your insurance plan starts to pay.
Some insurance plans have a coinsurance, which means you would be responsible for a set percentage of a bill until you reach an out-of-pocket limit, after which insurance would cover 100% of services.
Some insurance plans feature a copay, which is a set payment per day for services. Plans differ, but ultimately a family would make copayments until reaching an out-of-pocket limit, after which insurance would cover 100% of services.
Exclusion of Benefits and Limitations
If you see the term “exclusion of benefits,” it means the insurance plan does not cover a particular service and will not authorize or reimburse for any services. If your plan doesn’t cover ABA therapies/services, you may be able to work with your employer and/or insurance provider to add services.
Some plans have limitations on age ranges, hours/year, or total monetary caps (e.g., $30,000/year) for services. We can help you determine if your insurance plan has any limitations so you can plan accordingly.

We'll let you know if we are in-network with your insurance provider. We're accepting new insurance providers all the time and we'll do our best to help you navigate the process from start to finish.

Most major insurance companies provide coverage for ABA Therapy as the best treatment for Autism Spectrum Disorder (ASD). Call us at 305-707-0009, and we will help you understand the benefits your insurance offers. We work with a variety of providers, including Medicaid and private insurance plans like Ambetter Health, Aetna, United Healthcare, Tricare, Humana, BlueCross BlueShield, Oscar, Cigna Healthcare, and others. At Therapy 305, we are committed to assisting you in understanding and navigating your insurance policy. Call us today at 305-707-0009. We would like to help clarify any questions you may have.