Before anything is booked, we look into your child's coverage and walk you through it.
Howthebenefitscheckworks
Share your card
After our first call, we'll ask for your plan details.
We ask your plan
What it covers for ABA, what you might pay and which approvals it needs.
You hear back
By phone, and in writing if you'd like.
Coverage in Missouri
Missouri'sautisminsurancelaw
Many Missouri health plans have to cover ABA. Here's the short version.
Which plans have to follow it
It applies to health plans issued or renewed on or after 1 Jan 2020 that are written in Missouri, or written elsewhere but covering Missouri residents.
Under the federal ERISA law, a self-funded private employer plan is generally not treated as insurance for state law purposes, so state mandates usually don't reach it.
What it covers, through age 18
The required ABA benefit runs through age 18. Coverage at 19 or older depends on the plan.
ABA coverage has a maximum benefit of $40,000 per calendar year for individuals through age 18, adjusted for inflation. A plan may pay more with prior approval when it is medically necessary.
For 2026, the adjusted maximum is $58,817.
Missouri recalculates the maximum every year. Insurers must update the figure they use at least once every three years, so your plan's limit may differ from this year's figure.
Deductibles, copays and coinsurance for this coverage can't be higher than for other physical health care, and coverage can't be denied because the care is educational or habilitative.
Not sure which kind of plan you have?
That's fine. We'll find out when we check your benefits.
MOHealthNet,TRICAREornoinsurance
MO HealthNet
Ask us on your first call. We'll give you a straight answer.
TRICARE
Ask us on your first call whether we can work with your TRICARE plan.
