How Much Does ABA Therapy Cost?
Estimate your annual ABA therapy costs based on your state, recommended hours, and insurance type. Uses Special Learning’s planning estimates, not a published rate survey. Free, private, no account required.
See what ABA costs where you live
Fill this in and the calculator opens on this page, with your state's numbers in it.
- Your state's estimated hourly range, and what that comes to per month and per year
- What insurance typically covers, and roughly what is left for you to pay
- The numbers you enter stay in your own browser. We never receive them.
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Estimated Annual ABA Therapy Cost
Monthly Cost
Estimate, before insurance
Estimated Out-of-Pocket
After estimated insurance coverage
Hourly Rate (State Estimate)
Estimate for your state
Annual Sessions
Total therapy hours per year
Estimate only. The hourly ranges in this tool are Special Learning's own estimates, not a published rate survey or a fee schedule. Actual rates vary by provider, insurer and plan. Each state's Medicaid program publishes its own ABA rates (CPT 97153) — check yours before budgeting.
Insurance Coverage Information
How ABA Therapy Costs Compare
Context for your estimated annual cost
Write these numbers down before you go
Your estimate stays in this browser and we never receive it, so we cannot email it to you. Screenshot this page or write the figures down before you leave.
Frequently Asked Questions
It depends on three things: your state's rate range, the hours your child's plan calls for, and whether your plan is fully insured or self-funded. The calculator above turns those three inputs into a state-level estimate. It is an estimate, not a quote; your provider's rate sheet and your plan's coverage decide the real number.
It depends on your plan, and the fastest way to find out is to ask. Call the member services number on your insurance card and ask what your plan covers for ABA therapy, and whether your plan is fully insured or self-funded. That second answer decides which rules apply to you. Coverage, age limits and annual caps vary by plan and by state.
Ask the treating clinical team to assess the person’s needs, goals and preferences and recommend an individualized plan. A general guide or calculator cannot prescribe a weekly number of ABA hours. Ask the provider to explain the recommendation and ask the health plan about authorization.
Several options exist: apply for Medicaid (income-based; ask your state Medicaid office what it covers for ABA and what your child needs to qualify), check your state's autism waiver program, ask providers about sliding-scale fees, contact university-based ABA clinics for reduced-rate services, or reach out to organizations like the Autism Society for assistance.
These are Special Learning’s planning estimates, not a published rate survey. Actual costs depend on the provider, services and health plan. Ask for a current quote and a plan-specific coverage decision.
Start by verifying your plan covers ABA, then submit a pre-authorization request with medical necessity documentation. If denied, you have the right to appeal.
Need Help Understanding Your Options?
V-CAT is a Special Learning program. Contact us to ask about service options, availability for your location and the applicable price. Ask about V-CAT