Most insurance plans cover ABA therapy.
Florida law requires most insurance to cover ABA therapy for children with an autism diagnosis. Our team handles every verification, authorization, and claim — at no cost to you.
Six trusted Florida insurance partners.
We work with the major Medicaid plans serving Central Florida families. If your plan isn't listed, contact us — we may still be able to help.
Florida Medicaid
AcceptedFlorida Medicaid covers ABA therapy with a valid autism diagnosis.
Sunshine Health
AcceptedSunshine Health (Centene) is a leading Florida Medicaid managed care plan.
Simply Healthcare
AcceptedSimply Healthcare Plans is an Anthem-affiliated Florida Medicaid managed care plan.
Molina Healthcare
AcceptedMolina Healthcare offers Medicaid coverage across Florida.
Children's Medical Services
AcceptedFlorida Department of Health program for children with special healthcare needs.
Florida Community Care
AcceptedStatewide Medicaid Long-Term Care plan serving Florida families.
Aetna
AcceptedAetna is a major commercial insurance carrier with ABA benefits available under Florida's autism insurance reform law.
Cigna
AcceptedCigna commercial health plans include ABA therapy coverage for medically necessary care in Florida.
What families actually pay.
Priced without insurance, ABA therapy in Florida runs roughly $120–$200 an hour, and a full program is 10–40 hours a week. Almost no family pays that. Here is what the coverage you are most likely to have leaves you responsible for.
Florida Medicaid plans
Sunshine Health, Simply Healthcare, Molina, FCC
Typically $0 per session
Florida KidCare — MediKids & CMS
Medicaid-level benefits for eligible children
Typically $0 per session
Commercial plans
Aetna, Cigna and similar carriers
Your copay / coinsurance after deductible
No insurance
Statewide market rate, not a QBT price list
$120–$200 per hour
These are ranges, not a quote. Your plan's deductible, copay and authorized hours decide the real number — and we verify all three, in writing, before your child's first session.
Does Florida KidCare cover ABA therapy?
Partly — and which part matters. Florida KidCare is an umbrella over four programs, and they do not carry the same ABA benefit.
- MediKids and the CMS Health Plan carry Medicaid-level benefits, which include ABA therapy with a valid autism diagnosis.
- Florida Healthy Kids coverage depends on the carrier underwriting your plan, so it has to be checked individually.
Tell us which KidCare program your child is enrolled in and we will confirm the ABA benefit directly with the plan. There is no charge for that, and you are not committed to anything by asking.
Three steps. Zero stress.
We handle the paperwork. You focus on your child. Here's exactly how it works.
Contact Us
Call or fill out our form. Tell us your insurance provider and member ID — we take it from there.
We Verify Your Benefits
Our team contacts your insurance directly to verify coverage, check authorizations, and confirm your benefits at no cost to you.
Start Therapy
Once approved, we schedule your child's services. We handle all ongoing claims and paperwork — you focus on your family.
Don't see your plan?
We may still be able to help. Reach out and we'll check whether we can work with your insurance provider.
Insurance questions.
Without insurance, ABA therapy in Florida generally runs $120–$200 per hour, and a typical program is 10–40 hours per week — which is why almost no family pays out of pocket. With coverage, what you actually pay is your plan's copay, coinsurance, and deductible. Florida Medicaid plans usually leave families with no cost per session. We verify your exact numbers before therapy starts, so you know what to expect rather than guessing.
Florida KidCare is the state's children's health insurance umbrella, and the answer depends on which of its programs your child is enrolled in. Children in MediKids and Children's Medical Services (CMS) Health Plan receive Medicaid-level benefits, which do include ABA therapy with a valid autism diagnosis. Florida Healthy Kids plans vary by the underlying carrier. Tell us which KidCare program your child has and we will verify the ABA benefit directly with the plan at no cost to you.
Yes. Florida Medicaid covers medically necessary ABA therapy for children with an autism spectrum disorder diagnosis, delivered under the Behavior Analysis Services program. That includes the managed care plans most Central Florida families are enrolled in — Sunshine Health, Simply Healthcare, Molina, and Florida Community Care. A diagnosis and a treatment plan authorization are required first, and we handle that paperwork.
Yes. Florida's "Autism Insurance Reform Law" (HB 2/SB 2) requires most insurance plans to cover ABA therapy for individuals diagnosed with autism spectrum disorder.
Typically you need: an official autism diagnosis report, a BCBA assessment, and a treatment plan. Our team will guide you through gathering all required documents.
Most verifications are completed within 2-3 business days. We'll contact you as soon as we have your benefit information.
We offer autism screening and testing services. Getting a diagnosis is the first step to accessing insurance-covered ABA therapy. Most plans cover the evaluation too.
Talk to us before assuming it is out of reach. Many Central Florida families qualify for Florida Medicaid or Florida KidCare and do not realize it, and both cover ABA. We can point you to the right application and, once you are enrolled, handle the authorization from there.