Insurance shouldn't stand between your child and progress
Achieve ABA Therapy Group works with most Colorado insurance plans and handles every part of the verification, authorization, and billing for you — so you can focus on your child, not paperwork.
- Medicaid accepted
- BCBA-led care teams
- Trusted across Colorado
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ABA insurance plans we accept in Colorado
Here’s the ABA insurance coverage Achieve ABA Therapy Group currently accepts:
- Aetna
- Health First Colorado (Colorado's Medicaid programme)
- Medicaid
- CareFirst BlueCross BlueShield
- U.S. Department of Veterans Affairs (VA)
- Colorado Access
- Tricare
- UMR
- Colorado Community Health Alliance
- Connect for Health Colorado
- BlueCross BlueShield
- AmeriHealth
- Rocky Mountain Health Plans
- NANA
- WellCare
- Carolina Complete Health
- Healthy Blue
- MedCost
Reach out anyway. We may still be able to work with it.
Curious about Medicaid waivers and what they add beyond standard coverage? Read our guide.
How ABA therapy insurance coverage works
If you’re wondering whether insurance covers ABA therapy in Colorado, you’re not alone, and by the time most families ask, they’ve already been through evaluations, waitlists, and more paperwork than anyone should have to manage while also worrying about their child’s future. The last thing you need is insurance stress layered on top of all of that.
At Achieve ABA Therapy Group, we take on the complicated parts so you don’t have to become an insurance expert just to get your child the support they need. Here’s what that looks like in practice: we verify your benefits before you commit to anything, we submit and follow up on every authorization ourselves, we walk you through your actual costs upfront, and when claims or appeals get complicated, we’re the ones dealing with the insurance company, not you.
We check everything first
Tell us about your plan, and we'll find out exactly what's covered before you commit to anything. No surprises partway through treatment.
We handle authorization
Most Colorado insurance plans require prior authorization before ABA therapy can begin. We submit the paperwork, follow up with your insurance company, and respond to any requests for more information.
We explain your real costs
Before your child's first session, you'll know what insurance covers and what you're responsible for. Clear numbers, explained plainly, with nothing that surprises you later.
We manage the paperwork
Claims, follow-up calls, resubmissions, and appeals when coverage gets denied. We handle it so you don't have to.
We’re not working on abstract goals but on the things you need to change.
What your ABA therapy insurance benefits include
Most families watch their kid get better during sessions, then everything falls apart when therapy ends because nobody taught them how to keep it going. That’s heartbreaking and it shouldn’t happen.
We teach you the exact same strategies we teach your child. Every week you get coaching where you practice with real situations in your home. Here’s what changes for you:
Initial assessment
Before therapy begins, your BCBA (Board Certified Behavior Analyst — the clinician who leads your child's care) evaluates your child's strengths and needs and builds an individualized treatment plan. It's typically covered, not an out-of-pocket cost.
In-home ABA therapy
One-on-one sessions in your home, working on communication, behavior, social skills, and daily living skills. Practicing where your child actually lives helps new skills carry over into real life.
BCBA supervision
A behavior analyst oversees every session — directing the care and guiding the therapist, so your child is never just left alone with a technician. This oversight is covered separately from the therapy hours.
School support
Coordination with your child's teachers so the skills they build in therapy stay consistent at school and carry through the rest of their day.
Progress monitoring
Your BCBA tracks session data and adjusts the plan as your child grows, keeping therapy moving toward their goals.
Coverage varies by plan. We’ll walk you through exactly what yours includes — and what it doesn’t — so there are no surprises.
Insurance coverage for families across Colorado
The insurance approval process for ABA therapy
Reach out
Call us or fill out our contact form. We’ll ask for your insurance information and your child’s diagnosis paperwork.
We verify everything
We contact your insurance company, confirm your benefits, and let you know exactly what’s covered. No surprises.
We handle authorization
We submit prior authorization requests with the required documentation and follow up until approval comes through.
Therapy begins
Once approved, we schedule your child’s first session, in your home, on a schedule that works for your family.
Based on what we’ve learned we build a plan that’s tailored to your child and your family, not a generic template, and we write it out, explain it, and make sure you understand it.
How to make the most of your ABA therapy insurance benefits
If you’re looking to understand autism better or explore Colorado services, these resources provide solid information and support networks for families.
Have your insurance card ready, front and back. Bring your child's autism diagnosis paperwork if you already have it. Ask us about any additional documentation your plan might require.
We track your authorization period and submit renewal requests before it expires. We keep you updated on your coverage throughout your child's therapy.
We'll talk through payment plan options and help you find a solution that works for your family. Very few families end up unable to access services because of cost.
You focus on your child. We focus on making sure insurance doesn’t slow you down.
FAQs about ABA therapy insurance coverage in Colorado
Is ABA therapy covered by insurance in Colorado?
Yes, in most cases. Colorado requires most health insurance plans to cover autism spectrum disorder treatment, including ABA therapy. What you personally pay depends on your plan. Some families pay nothing beyond their regular premium, while others have a copay, deductible, or coinsurance. We’ll find out exactly what your plan requires before you spend anything.
What insurance covers ABA therapy at Achieve?
We currently accept Health First Colorado, CHP+, Anthem Blue Cross Blue Shield, Cigna, Aetna, UMR, Select Health, ChampVA, Rocky Mountain Health Plans, Colorado Community Health Alliance, and Colorado Access. If your plan isn’t listed, reach out anyway.
How much is ABA therapy with insurance?
It varies based on your specific plan, deductible, and coinsurance. Some families pay very little out of pocket, while others have a larger share depending on their coverage. We’ll give you real numbers before your child’s first session, not just an estimate.
How much therapy will insurance approve?
This depends on your child’s needs and your specific plan. We request the hours your child’s assessment supports and let you know what gets approved.
Do I need a referral from my pediatrician?
Some plans require one and some don’t. We’ll tell you what yours needs and help you gather any required paperwork.
What if insurance says no?
We help you appeal with additional documentation from your child’s evaluation and our clinical team. Many denials can be resolved with the right information submitted the right way.
How long does authorization take?
It varies by insurance company. We stay on top of the process and keep you updated the whole way through.
What happens when my authorization expires?
ABA therapy authorizations are typically approved for a set period at a time. We track your authorization and submit renewal requests before it runs out, so there’s no gap in your child’s care.
Can I use my HSA or FSA card?
In most cases, yes. ABA therapy is generally considered a qualified medical expense, though it’s worth confirming the specifics with your plan administrator.
What if I don't have insurance?
Reach out anyway. We’ll talk through self-pay rates, payment plan options, and any programs that might help with cost.
Does insurance cover ABA therapy for diagnoses other than autism?
Sometimes. Some plans that cover ABA for autism also cover it for other developmental needs. We’ll check your specific plan and let you know.
Will my benefits run out?
ABA therapy is generally covered for as long as it’s medically necessary. We monitor your benefits and keep you informed throughout your child’s care.
Do I need a Medicaid waiver to get ABA therapy covered?
No. ABA therapy is covered under standard Health First Colorado through the EPSDT benefit for eligible children. A waiver isn’t required to start — it adds extra support on top of your existing coverage.
Let's get you covered
Our team at Achieve ABA Therapy Group has worked through every type of Colorado insurance plan and every kind of coverage question. We’ve helped families across the states get their coverage approved. Let us help yours too.