How Much Does ABA Therapy Cost Without Insurance?

ABA therapy is typically an intense therapy, especially for younger children with autism. Treatment duration and intensity vary depending on the child’s requirements, but many children require 30–40 hours of rigorous ABA therapy to help them fulfill developmental goals and reduce problematic behaviors.

The prices of ABA autism therapies are very high. The majority of ABA therapy is one-on-one, which means that each kid has a behavior technician — also known as a behavior therapist or Registered Behavior Technician (RBT) — present at all times to conduct direct therapy.

Behavior technicians are not self-employed professionals. They must be supervised by a Board Certified Behavior Analyst (BCBA) (BCBA). The BCBA is a Master’s-level clinician who oversees behavior technician therapy sessions, maintains the child’s case, develops treatment plans, and provides parent training.

The expenditures of hiring and maintaining highly competent treatment teams, as well as the time spent on case management, are significant. ABA therapy costs around $120 per hour, which adds up to $4,800 per week for a child who receives 40 hours of therapy per week. Without insurance, intensive ABA therapy can cost almost $250,000 per year. Most families are unable to cover these expenditures, necessitating the use of ABA therapy insurance.

Why ABA is bad for autism?

Applied behavior analysis (ABA) is a therapy that assists children with autism in learning new skills and reducing harmful behavior such as self-injury. ABA comes in a variety of shapes and sizes. All of them are founded on the premise that rewarding particular behaviour encourages children to repeat them. ABA has been demonstrated to be helpful in studies, however some parents and autistic self-advocates oppose its use.

One critique of ABA is that it included punishments as well as rewards in its early versions. Although ABA no longer uses punishments, opponents believe it is still excessively harsh on children because it is so repetitious. Supporters believe that modern ABA is less monotonous and that practitioners are trained to make learning enjoyable and fascinating for children.

Another complaint is that ABA focuses too much on behavior modification rather than skill development. This, according to some experts, can be a concern. They stress the need of focusing therapy on what children should be doing rather than what they should not be doing.

Finally, some autistic self-advocates argue that ABA aims to conform autistic children to neurotypical norms. They contend that because autistic children have different requirements than neurotypical children, they should not be trained to look or act like neurotypical children. Speech and language therapy, according to some of these advocates, is a more effective technique for autistic children to develop skills and independence.

ABA practitioners claim that they do not attempt to change how neurodiverse children think and feel. Instead, they believe, the purpose is to help children develop their abilities and engage as fully as possible in society.

How much is ABA therapy per week?

The cost of ABA varies depending on your child’s therapy requirements, the sort of ABA program you select, and who performs the therapy. ABA programs that offer more services may be more expensive.

A board qualified ABA therapist typically charges roughly $120 for each hour of ABA therapy, though pricing might vary. Though non-board certified therapists may provide treatment at a lesser cost, it’s best to work with a qualified ABA therapist or a team led by a licensed therapist.

ABA therapy can last up to 40 hours per week, according to some specialists. Therapists, on the other hand, typically work with clients for 10 to 20 hours per week. Depending on your child’s demands, this range may change.

Treatment would cost $1,200 per week if your child requires an average of 10 hours of ABA per week at a rate of $120 per hour. Many children progress after a few months of ABA therapy, but each child is unique, and ABA therapy can take up to three years.

Although ABA is costly, most clients do not have to pay the entire amount out of pocket.

  • Insurance. The majority of health insurance plans will pay some or all of the costs. For further information, contact your insurance provider. Someone from your company’s human resources department can also assist you if you have insurance via your employment.
  • School. Some schools will pay for ABA for a child, though they may want to conduct their own assessment beforehand.
  • Financial aid is available. Scholarships and other forms of financial aid are available at several ABA centers.

In addition, therapists are familiar with the ins and outs of insurance and treatment reimbursement. You are welcome to seek their guidance on how to get your child’s treatment paid for. They’ll most likely have some further suggestions that will be beneficial.

What to do if you cant afford ABA therapy?

ABA therapy, like any other treatment, can be costly if it is not covered by insurance. Parents frequently 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 therapy. Government programs, school-based services, scholarships, grants, and payment plans can all assist your kid get the aid they need with ABA therapy.

Does ABA cause PTSD?

Nearly half of the ABA-exposed respondents (46%) fulfilled the diagnostic criterion for PTSD, and 47 percent of the afflicted subgroup had high levels of severity. Respondents of all ages who had been exposed to ABA were 86 percent more likely than those who had not been exposed to ABA to meet the PTSD criteria. Adults and children who were exposed to ABA had a higher risk of satisfying the PTSD criteria (41 and 130 percent, respectively). Adults and children who had never been exposed to ABA had a 72 percent chance of reporting no PTSS (see Figure 1). 41% of caregivers said they used ABA-based therapies at the time of the research.

How much ABA does a child need?

Another common concern among parents is, “Will my child require this number of hours indefinitely?” When the client demonstrates considerable increases in functional independence, generalization of skills to multiple situations, and a significant reduction in interfering behaviors across all environments, therapy hours will be faded out. Depending on how the child responds to treatment, the number of hours might be increased or decreased.

When it comes to closing the learning gap with neurotypical peers across development areas, research reveals that 30-40 hours per week is ideal. According to the Council of Autism Service Providers’ practice guidelines, children with an ASD diagnosis who are under the age of three have the best outcomes if they work 25-30 hours per week, and children who are approaching the age of three have the best outcomes if they work 30 or more hours per week.

It is normal for parents to find it difficult to commit to extensive ABA treatment (26 hours or more) when their child is suggested. This is understood, but according to the practice guidelines, time away from therapy can result in larger skill deficits or behavioral issues. Board Certified Behavior Analysts will usually explain that starting intensive services as soon as possible will provide the kid a better chance of minimizing the number of services and time spent in therapies as they get older.

How much does it cost to start an ABA company?

You’ll need at least $20,000 in liquid funds and a net worth of $100,000 to buy a franchise with Hi-5 ABA Inc. Franchisees should expect to invest between $15,918 and $80,870 in total.

Can I receive ABA therapy through a plan bought through Covered California?

Yes. Under the 2010 Affordable Care Act (ACA), health insurance plans sold through Covered California must contain a set of essential health benefits. 15 ABA therapy is one of these important advantages. 16 Under the Affordable Care Act, your plan’s mental health treatment services must be similar to those provided by your plan for comparable medical care. For eligible people, all Covered California plans must provide ABA therapy.

Can I receive ABA therapy through the individual plan I bought directly through a private health insurance company?

Yes, if your child has been diagnosed with autism or another pervasive developmental disorder. Private plans are governed by state legislation. SB 946, which took effect on July 1, 2012, mandates that medically necessary mental health therapy be covered through health care service plan contracts and insurance policies. Individuals with autism or other pervasive developmental problems may benefit from ABA therapy. SB 946 affects all health plans that offer hospital, medical, or surgical care under the Department of Managed Health Care Services (DMHC) or the Department of Insurance’s jurisdiction (DI). 17 If your child does not have autism or another pervasive developmental disability, ABA therapy may be covered by insurance. Check with your health plan’s member services department to determine if ABA therapy is covered for those who don’t have autism or another severe developmental disability.

Can I receive ABA therapy through my employment-based health insurance?

Employer-sponsored health plans that are fully insured/completely funded are governed by state law. SB 946 is the state statute that governs fully insured/completely financed employer-sponsored plans. SB 946 mandates that healthcare service plan contracts and health insurance plans provide the above-mentioned coverage. SB 946 affects all health plans that offer hospital, medical, or surgical care under the Department of Managed Health Care Services (DMHC) or the Department of Insurance’s jurisdiction (DI).

Self-insured/self-funded plans, on the other hand, are governed by federal law. While all self-insured/self-funded plans must adhere to federal regulations, the benefit design is determined by the business. Some insurance policies cover ABA therapy, while others do not. To find out if your health plan is self-insured/self-funded and if ABA therapy is a covered benefit, contact your health plan’s member services department or your employer’s Human Resources department. Request a letter of coverage and contact a regional center if your plan does not cover ABA therapy services. 18 If you have a self-insured/self-funded health insurance plan that does not cover these services, a regional center may be able to help you pay for ABA therapy. You might also request that your employer consider include these services in their benefits package.

Who can I contact if my private health insurance denies my claim or request?

Within 30 days, private health insurance must process your claim or respond to your written request. 19 You can file an appeal with your insurance company’s Member Services department after obtaining a rejection or having services canceled. This information can be found on your insurance card or in the benefits handbook. Request to talk with someone about an autism-related or behavioral health services appeal when you call. It’s possible that your insurance company will require you to submit your appeal in writing. There may be an online appeals process for other plans. Regardless, the insurance provider has 30 days to reply to your appeal. 20

When an insurance provider declines your request, the reason for the denial is supposed to be stated. They are also required to provide you with all relevant documentation. If you don’t already have these documents, you should request them. Include earlier assessments, treatment plans, goals, and letters from your child’s pediatrician, school district, or regional center when filing an appeal. All of these documents should back up ABA therapy’s medical need. During the appeals process, keep extra copies of all of these documents. 21

These links will help you learn more about the private insurance appeals procedure and SB 946: