Guide: Affording & Financing ABA Therapy Without Insurance

Photo of author


Posted On

ABA therapy, also known as applied behavior analysis is a type of treatment used to help children with autism spectrum disorder. It uses positive reinforcement and specific teaching techniques designed to improve skills like language or social interaction.
This guide will cover how you can afford ABA therapy without going into debt by using your insurance company’s benefits and other resources available through the community.,

The “mortgage calculator” is a guide that helps people understand how much they would need to pay for ABA therapy without insurance. It also includes tips on how to afford and finance the treatment.


ABA therapy, like any other treatment, may be costly if it is not covered by insurance. Parents often feel compelled to choose between their financial security and their children’s well-being and future. This isn’t correct.

If you don’t have insurance, there are still ways to pay for your child’s ABA treatment. Government programs, school-based services, scholarships, grants, and payment plans may all assist your kid obtain the aid they need with ABA treatment.

A Long-Term Treatment

Applied behavior analysis (ABA) therapy is the most widely used evidence-based treatment for persons with autism, especially youngsters. The treatment teaches individuals how to recognize and alter problematic habits, as well as how to gain new skills and establish good behaviors, so they may effectively navigate the environment.

This kind of treatment is tailored to the needs of each person. As each phase of the process is accomplished, practitioners define measurable targets and gather data. This assists them in determining how the kid is developing and if particular interventions are effective.

ABA treatment requires children to participate in a curriculum for months or years at a time. The importance of keeping regular visits is critical for sustaining behavioral change.

Even with the assistance of insurance coverage, this may be costly. It’s possible that the finest therapist for your kid isn’t in your network. It’s possible that your insurance plan won’t cover enough sessions, or that it won’t cover the whole cost of sessions. It’s possible that your insurance may change, forcing you to transfer providers in the midst of treatment, which can be inconvenient.

There are solutions that may be used in conjunction with insurance coverage to assist you finance ABA treatment for your kid.

The Price of Treatment

According to studies from the Centers for Disease Control and Prevention, ABA treatment may cost $17,000 per year for one kid with autism (CDC). Some families, though, are said to spend between $45,000 and $100,000 each year.

Treatment costs for someone with autism run from $1.4 million to $2.4 million throughout their lifetime, depending on whether they also have a learning handicap.

In 2014, 46 states joined forces to force insurance companies to pay the expenses of autism therapies, such as ABA therapy. Currently, several state regulations pay these fees for $36,000 to $50,000. This looks to be plenty for the estimated $17,000, but it may not be enough for other families with autistic children.

What Does It Take to Get ABA Therapy Coverage?

To have your child’s autism therapy covered by insurance, you must first receive a diagnosis from a physician. A specialist, such as a child psychologist, pediatric neurologist, or developmental pediatrician, may be referred to you by your doctor.

According to the Centers for Disease Control and Prevention (CDC), doctors should assess children for autism when they reach certain developmental milestones. Screenings usually begin at the age of 18 months and continue for many years, especially if the child’s family has a history of autism.

Check with your insurance company to see how treatment will be paid for. Employer-based insurance, private insurance, and state or nationally supported programs are all options. For example, although all Medicaid plans must cover autism therapy, not all ABA providers accept Medicaid.

Programs to Help Children With Autism Pay for ABA Therapy

There are a number of government initiatives that may help persons with autism. These initiatives assist individuals in locating cheap and credible autism treatment options, as well as providing financial assistance to families in need.

Here are a few examples of federal programs:

  • Medicaid: This federal health insurance program, as well as state-level extensions, covers health care for low-income families and families with children who have substantial special needs. If your kid has moderate or severe autism, he or she may be eligible for Medicaid.

  • School-based programs: Some ABA providers collaborate with local schools to offer full-time or part-time support services to autistic children’s families. These usually include weekly visits and are only provided in a few number of public and private institutions.

  • Most children would benefit from this as a supplement. It might be the major type of treatment for children with mild symptoms of autism and a strong foundation of abilities.

  • Some community activities may be accessible on a weekly or monthly basis at therapists’ offices, churches, or community centers to reinforce particular abilities, such as enduring crowds, accepting “no,” utilizing a menu, being silent in certain settings, and other skills.

  • Individuals with impairments, regardless of age or job experience, are eligible for Supplemental Security Income (SSI), as long as they fulfill medical and financial requirements. It is a program that is tailored to the individual’s requirements. The expense of therapies like long-term ABA therapy might sometimes qualify a kid for the program.

  • Food stamps and federal housing assistance may be available if your kid’s medical demands are so extensive that you are financially strained — or if you must take substantial time off work or are unemployed to care for your child with autism.

The Risks of Shortening Treatment

You may be wondering how you can keep the total expense of your child’s care down. Too many families attempt to save money by spending less time with ABA practitioners every week, or they stick to short-term treatment programs and hope for the best.

Reducing your child’s treatment sessions is not the solution. Because ABA sessions are few, it will be difficult to detect meaningful gains. If sessions are not held on a regular basis, progress achieved during them may be lost.

ABA therapy is a treatment that lasts a long time. The improvements are substantial, but it will take time for them to take hold.

Finding Additional Funding & Coverage Sources

If federal and state programs don’t cover the cost of ABA treatment for your kid, there are other financing options available.

A list of awards for families is maintained by Autism Speaks. These grants may assist families with a variety of costs associated with autism, including ABA treatment. These are usually modest, short-term awards, but they may assist bridge financial shortages.

In certain circumstances, Medicaid programs might give coverage if you don’t have insurance.

Telehealth services may be available from certain providers. Virtual contact with physicians and nurses is becoming more common. People may obtain medication refills, speak therapy, and address sensitive concerns with medical experts without having to leave their homes thanks to telehealth.

A research comparing home-based telehealth, in-home treatment, and clinical therapy for autistic people found that home-based telehealth, in-home therapy, and clinical therapy were all successful. All three approaches were judged to be successful by the researchers. Telehealth is more convenient to use and less costly than clinic visits or in-home therapy. While in-person visits are recommended for ABA therapy, telemedicine sessions may sometimes be used to enhance an overall treatment plan.

Families may pay for sessions out of pocket, and some even take out private loans to help cover the costs. For others, crowdsourcing funds or borrowing money from relatives may be viable options.

Requesting Assistance from Providers

If you locate a good ABA therapist, they could be willing to work with you on a sliding scale. In this case, the cost of treatment sessions is determined by a family’s financial level. This allows low-income families to obtain the therapy their children need at a cheaper cost.

Some providers give families with the option of a payment plan, which allows them to pay off their whole cost over time. The youngster is receiving therapy right now, but the family has time to save enough money to pay for it later.

When families commit to a set number of sessions, certain providers may provide a discount. This lowers the cost of each session individually.

Many ABA practitioners accept a variety of insurance plans, including Medicaid and private insurance. More information about the insurance schemes that providers operate with may be found on their websites. You may also request a referral to services in your insurance network from your pediatrician or general practitioner.

ABA treatment may substantially assist your kid in developing world-skills. If you don’t have health insurance, you don’t have to deny your kid this therapy. ABA treatment may be funded via a variety of methods, including government programs, private grants and scholarships, and other sources of income.


The “what percentage of salary should go to mortgage uk” is a guide for parents of children with autism who are looking to afford and finance ABA therapy without insurance. The article offers tips on how much money you will need to save each month in order to afford the cost of ABA therapy.

Related Tags

  • how much income do you need to buy a $650,000 house
  • how much should i spend on a house if i make $100k
  • i make $70,000 a year how much house can i afford
  • what percentage of net income should go to mortgage
  • mortgage is 50% of take home pay