INSURANCE AND FUNDING
Understanding insurance for ABA therapy
Insurance can feel confusing, especially when you are trying to start care for your child. Our team helps families understand benefits, authorizations, and likely costs before services begin.
We are in-network with many major insurance providers and may be able to work with outside plans on a case-by-case basis. Coverage depends on your specific plan, diagnosis, benefits, authorization, and medical necessity requirements.
HOW VERIFICATION WORKS
The insurance verification process
Before services begin, we help you understand what your plan appears to cover and what steps are needed for authorization.
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Share your information
You provide your insurance card, subscriber details, diagnosis information when available, and basic family/contact information.
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We check benefits
Our team contacts the insurer or uses provider tools to review eligibility, ABA coverage, deductible, copay, coinsurance, and authorization rules.
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Clinical review
If ABA appears covered, the clinical team completes intake and assessment steps needed to support a treatment recommendation.
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Authorization and estimate
We submit required documentation, wait for approval, and review any known out-of-pocket responsibilities before services begin.
IN-NETWORK PLANS
Insurance providers we commonly work with
Network status can vary by plan type, employer group, location, and authorization requirements. Verification is always required before we can confirm benefits for your child.
If you do not see your insurance listed, reach out anyway. We may be able to review out-of-network options or talk through other next steps.
Health First Colorado
Colorado Medicaid
UnitedHealthcare
Commercial and managed plans
Aetna
Plan verification required
Optum
Behavioral health network
Cigna
Plan verification required
BlueCross BlueShield
Plan verification required
TriWest
Healthcare Alliance
TRICARE
Military family coverage
COSTS AND COVERAGE
There may be out-of-pocket costs
Insurance verification helps estimate costs, but it is not a guarantee of payment. Final responsibility is determined by your insurance plan after claims are processed.
Families may be responsible for deductibles, copays, coinsurance, non-covered services, services before authorization, missed-appointment policies, or limits set by the insurance plan. We will explain what we know before services begin and help you ask the right questions.
What we try to clarify up front
• Is ABA listed as a covered benefit?
• Is prior authorization required?
• Does the plan have a deductible, copay, or coinsurance?
• Are there visit, hour, provider, or diagnosis requirements?
• What happens if services are out-of-network?
FAQ
Insurance questions families ask
These answers are general. Your plan may have different requirements, so verification is the first step.
Do you accept insurance?
Yes. Ladder of Success ABA is in-network with many major insurance providers and can review other plans on a case-by-case basis.
Does verification guarantee coverage?
No. Verification is an estimate based on information available from the insurer. Final payment and family responsibility are determined when claims are processed.
What information do you need to verify benefits?
We usually need a copy of the insurance card, subscriber information, child information, diagnosis details when available, and the best contact information for the family.
What is prior authorization?
Prior authorization is approval from the insurance company before services begin. It usually requires clinical documentation and a treatment recommendation.
Could we owe anything out of pocket?
Yes. Deductibles, copays, coinsurance, non-covered services, or services outside authorization may create out-of-pocket costs.
What if my plan is out of network?
We can review your plan and explain possible options. Some families may have out-of-network benefits, but coverage varies widely.
Do you accept Health First Colorado?
Health First Colorado is listed among the plans we commonly work with. Eligibility and authorization still need to be verified for each family.
Who handles reauthorizations?
Our team helps manage authorization timelines and documentation, while families may still need to respond to insurer requests or provide updated information.
Ready to check your benefits?
Send us your insurance information and our team will help you understand the next steps for ABA therapy coverage.