Insurance coverage & financial assistance
Navigating insurance for applied behavior analysis (ABA) therapy can feel overwhelming. At Fast Track ABA Center, we simplify the process so you can focus on supporting your child. Our dedicated insurance specialists work directly with your provider to make sure everything runs smoothly from the start.
Fast Track ABA Center accepts most insurance providers
We simplify insurance for ABA therapy
Fast Track ABA Center 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.
Here’s how we support your family:
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.
In-network vs. out-of-network coverage
Here’s how Fast Track ABA Center can help your family.
At Fast Track ABA Center, we are credentialed and contracted with major insurance providers. This means we have a specific agreement that outlines our rates with each payer.
For families, this makes a big difference: in-network coverage almost always means your out-of-network coverage.
In-network insurance providers
Fast Track ABA Center is in-network with many of the largest health insurers. Families often find that their plan includes coverage for ABA therapy, and our insurance specialists will confirm the details for you. We currently work with:
- Blue Cross Blue Shield
- United Healthcare
- Optum
- Aetna
- Cigna
- Medicaid (Texas Children, Wellpoint)
- Community Health Choice
- Magellan
- Carelon
- UMR
We are always expanding our network of accepted providers. Please contact us
to confirm your specific plan.
Your total responsibility depends on your plan’s maximum out-of-pocket (MOOP) amount. Fast Track ABA Center will never charge more than your MOOP. MOOP is the highest amount your family will pay for covered healthcare services in a year before your insurance covers 100% of the remaining costs. Once your deductible and out-of-pocket maximum are met, most or all of your child’s ABA therapy may be covered.
What affects the cost of ABA therapy?
- Therapist credentials:
All ABA services are billed under a BCBA, but costs may vary depending on provider qualifications. - Therapy hours:
More therapy hours lead to a higher overall cost. - Insurance coverage:
Deductibles, copays, and limits on ABA therapy hours vary by plan.
How much does ABA therapy cost in the U.S.?
The cost of ABA therapy varies based on your child’s needs, your insurance plan, and where you live. Families paying out of pocket often find that insurance covers most, or sometimes all, of the expense, particularly once their deductible or MOOP has been met.
How much does ABA therapy cost in the U.S.?
All private commercial health insurance companies and Medicaid programs in the U.S. cover ABA therapy to some degree. Since coverage can be complex, our insurance specialists verify your benefits for you.
We provide clear information on:
- Your out-of-pocket costs
- How many ABA therapy hours your insurance covers
- The number of ABA therapy hours recommended by your child’s clinical team, based on a thorough assessment of their unique needs and your family’s goals
What if my insurance requires a prior authorization?
Some insurance plans require a prior authorization before your child can begin ABA therapy. This step confirms that therapy is medically necessary and that your insurance will cover the services.
The process usually involves:
- Our clinicians complete a thorough assessment of your child’s needs and your family’s goals, then recommend an appropriate number of therapy hours.
- Our insurance team compiles the documentation and submits a request to your insurance provider.
- The insurance company reviews the request, which typically takes 7–14 business days.
- We receive either an approval or, if denied, we work with you on the next steps, which may include filing an appeal.
At Fast Track ABA Center, we approach each child individually. Our goal is to make sure your insurance company has the information needed to understand your child’s needs and approve the right level of care without unnecessary delays.
Financial assistance for ABA therapy
At Fast Track ABA Center, we believe every child deserves access to ABA therapy, no matter their family’s financial situation. We know that costs, especially when reaching your maximum out-of-pocket (MOOP) limit, can feel overwhelming.
Here’s how we can help ease that burden:
- Insurance navigation: Our team will review your benefits, explain your coverage, and walk you through your options.
- Charity Care program: Families who qualify under federal poverty guidelines may receive financial assistance based on their income level.
Many families qualify for ABA therapy at little to no cost once insurance and financial assistance are applied. More importantly, we make the process fast, simple, and supportive because getting started with ABA therapy should never be delayed by finances.
Financial assistance for ABA therapy
At Fast Track, although our two locations are in Katy and Richmond, we serve clients from all over Harris County, Fort Bend County, and the Greater Houston area — Richmond, Fulshear, Katy, Sugar Land, Sienna, Missouri City, Cypress, Memorial, Heights, Bellaire, Pearlan
Texas
SB 946, the autism insurance bill in Texas, requires insurance companies to cover all generally recognized autism-related services prescribed by the child’s primary care physician (PCP) so long as the autism diagnosis was made before the child’s tenth birthday.
FAQs about insurance
View all FAQs
Does insurance cover ABA therapy?
Yes. Most health insurance plans cover ABA therapy, and we are proud to be in-network with the largest insurers in our service areas. At Fast Track ABA Center, our insurance specialists handle the details for you. We verify your child’s coverage, complete any necessary pre-authorization paperwork, and directly bill the insurance company.
Can I just make a copay for ABA therapy like I do at the doctor’s office?
If your plan requires a copay or coinsurance, you can pay securely through our online patient portal. During the admissions process, we provide a fee schedule and an estimate of your anticipated out-of-pocket costs for ABA therapy.
How many hours of ABA therapy does insurance cover?
The number of ABA therapy hours your child needs depends on their age, developmental level, and individualized goals. A Board Certified Behavior Analyst (BCBA) and other clinicians perform a thorough assessment of your child’s needs and your family’s goals before recommending the right number of hours. Our insurance specialists then confirm how many of those hours are covered by your plan and help you understand any out-of-pocket costs.
What if my insurance doesn’t cover all of the recommended therapy hours?
If your insurance company approves fewer hours than recommended, our team will appeal on your behalf. We also discuss financial assistance options to ensure your child gets as much support as possible.
Do I have to reach my deductible before insurance covers ABA therapy?
In most cases, yes. Families are responsible for their deductible and any applicable copays or coinsurance until their maximum out-of-pocket (MOOP) is met. After that point, insurance typically covers 100% of remaining ABA therapy costs for the year.
