ACCEPTED INSURANCE PLANS
Insurance
Plans We Accept
We work with most major insurance carriers in Maryland and Ohio, including Medicaid. Here are the plans we most commonly work with:
We Handle the Insurance Stuff
Insurance is confusing - especially for ABA therapy. Different plans have different rules. Authorizations expire. Claims get denied for mysterious reasons. It's exhausting.
We get it. That's why we have a team whose only job is dealing with insurance companies so you don't have to.
Insurance
Don't see your insurance listed?
We're constantly adding new plans. Contact us with your insurance information and we'll check if we can work with your carrier - even if it's not on this list.
HOW INSURANCE WORKS FOR ABA THERAPY
Here's How the Process Actually Works
Insurance for ABA therapy isn't like insurance for a regular doctor visit.
01.
We Verify Your Benefits (2-5 Business Days)
You give us your insurance card and child's diagnosis. We call your insurance company and find out: Is ABA covered? How many hours? What's your copay? Do you need a referral? We explain everything in plain language.
02.
We Get Authorization (1-3 Weeks)
Most insurance companies require approval before therapy starts. We submit all the paperwork, assessments, and medical records they need. This takes the longest, but we handle it entirely—you don't lift a finger.
03.
Therapy Starts, We Bill Directly
Once authorized, your child begins sessions. We bill your insurance after each session—you don't pay upfront and wait for reimbursement. You only pay your copay or coinsurance.
04.
We Track Everything Ongoing
We monitor authorization expiration dates and submit renewal paperwork before you run out of hours. If claims get denied, we handle appeals. You focus on your child—we manage the insurance stuff.
WHAT WE NEED FROM YOU
What to Have Ready
To verify your benefits and start the authorization process, we need:
Insurance card (photo of front and back)
Child's full name and date of birth
Policyholder's name and date of birth
Your child's autism diagnosis
Referral from your pediatrician or primary care doctor
Prescription for ABA therapy
Recent diagnostic evaluation report
COMMON QUESTIONS
Questions Parents Ask About Insurance
Does my insurance cover ABA therapy?
Most insurance plans are required to cover ABA therapy for autism thanks to state mandates and federal law (the Affordable Care Act). We verify your specific benefits during the verification process. In [State], coverage is generally excellent.
Do I need a referral?
It depends on your plan. Some require a referral from your pediatrician or primary care doctor. Some don't. We'll tell you if your plan requires one when we verify benefits.
How many therapy hours does insurance cover?
Varies widely by plan. Some authorize 10-15 hours per week. Some authorize 30-40 hours. It depends on your child's needs and what the insurance company approves. We request the hours your child clinically needs and advocate if they deny.
What if insurance denies coverage?
We handle appeals. If your insurance denies authorization or claims, our billing team submits appeals with additional documentation. Many denials get overturned on appeal. If appeals fail, we discuss your options (out-of-network benefits, self-pay, alternative funding).
Do you bill my insurance directly?
Yes. You don't pay us upfront and wait for reimbursement. We bill insurance after each session. You only pay your copay or coinsurance.
IF INSURANCE IS COMPLICATED FOR YOU
We Know This Is Overwhelming
If you're reading this and thinking "I have no idea what half these words mean," you're not alone.
Insurance is intentionally confusing. Deductibles, coinsurance, prior authorization, EOBs, CPT codes - it's a second language most people don't speak.
That's exactly why we have a billing team. Their whole job is translating insurance-speak into normal language and handling all the paperwork so you don't have to become an insurance expert just to get your child therapy.
What our billing team does:
Calls your insurance company for you
Explains your benefits in plain language
Submits all authorization paperwork
Handles claim denials and appeals
Tracks authorization renewal deadlines
VERIFY YOUR BENEFITS
Let's Check
Your Coverage
Ready to find out what your insurance covers? Give us your information and we'll verify your benefits within 2-5 business days.
We'll tell you:
Whether ABA therapy is covered
How many hours per week/month
Your copay or coinsurance amount
If you need a referral
Estimated timeline to start therapy
What happens next: After we verify benefits, we'll call or email you with a clear explanation of your coverage. No jargon—just straightforward information about what you'll pay and what's covered. Then you decide if you want to move forward.
Find Care Near You
Where We’re Helping Families Now
Columbus, OH
7425 Maple Ridge Drive, Worthington District, Columbus, OH 43235
Baltimore, MD
1180 Harborview Court, Federal Hill, Baltimore, MD 21230
Ready To Begin
Get the Support Your Child Truly Deserves
Start your journey with EverCare ABA today. Our team will answer questions, verify insurance, and guide you through every step—so your child can begin thriving with the care they need.
