If you’re exploring ABA therapy and wondering how insurance coverage works, Bloompath can help guide you through the process. Our team will review key details with you and help you understand what steps are needed before your child begins therapy.
Insurance Authorization
Most insurance approvals take about one to two weeks to complete once all paperwork is submitted.
The overall cost of therapy depends on your insurance plan and the number of therapy hours recommended after your child’s assessment.
After the evaluation, we’ll help you interpret your plan and estimate what portion may be covered.
Deductibles, Copays, and Coinsurance
Each insurance plan is unique. You might need to meet a deductible before coverage begins, or pay a copay—a set amount per session.
Some plans use coinsurance, where you pay a small percentage of the total cost until you reach your out-of-pocket maximum.
Once that limit is reached, insurance generally covers 100% of approved services.
Plan Exclusions and Limits
Some insurance policies may not include ABA therapy or may limit coverage by age, hours per year, or annual benefit amount.
If you notice these limits, Bloompath can help you review your policy and discuss options with your insurance provider or employer to ensure the best support for your child.
Insurance Questions?
We'll let you know if we are in-network with your insuranceprovider. We're accepting new insurance providers all the time andwe'll do our best to help you navigate the process from start to finish.