The good news is that all 50 states have instituted laws that require coverage for autism related therapy.
However, states vary in their coverage types and limits (age and dollar/ hour caps).
In this article we are going to look at the autism insurance coverage laws by state, specifically for ABA therapy. This should give you a better understanding of the maximum amount of ABA therapy hours that you can qualify for.
Of course, it is best to speak to your insurance provider as they will be able to give you the most up to date information regarding the coverage you qualify for.
Let’s get started!
Autism Insurance Coverage by State
Alabama
Autism Insurance Bill: HB 284
Is ABA Therapy covered: Yes
Coverage Limits by Age: 0 to 18 years
Coverage Limits by Amount:
For 0 to 9 years it is $40,000 per year
For 10 to 13 years it is $30,000 per year
For 14 to 18 years it is $20,000 per year
Alaska
Autism Insurance Bill: SB 74
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 21 years old
Coverage Limits by Amount: no annual cap on coverage
Arizona
Autism Insurance Bill: HB 2847
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 17 years old
Coverage Limits by Amount:
For 9 years and under it is $50,000 per year
For 9 to 16 years it is $25,000 per year
Arkansas
Autism Insurance Bill: HB 1315
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 18 years old
Coverage Limits by Amount: $50,000 per year
California
Autism Insurance Bill: SB 946
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
Colorado
Autism Insurance Bill: SB 15-015
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
Connecticut
Autism Insurance Bill: Substitute Senate Bill 301/Public Act 09-115
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
Delaware
Autism Insurance Bill: SB 22
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 21 years old
Coverage Limits by Amount: $36,000 per year
District of Columbia
Autism Insurance Bill: B20-0302
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
Florida
Autism Insurance Bill: SB 2654
Is ABA Therapy covered: Yes
Coverage Limits by Age: Must be diagnosed before 8 years old. Maximum age is 18 (if the individual is in high school.)
Coverage Limits by Amount: $36,000 per year (maximum lifetime limit of $200,000).
Georgia
Autism Insurance Bill: SB 118
Is ABA Therapy covered:
Coverage Limits by Age: under 21 years old
Coverage Limits by Amount: $35,000 per year
Hawaii
Autism Insurance Bill: SB 791
Is ABA Therapy covered: Yes
Coverage Limits by Age: 14 years and under
Coverage Limits by Amount: $25,000 per year
Idaho
Autism Insurance Bill: Bulletin: No. 18-02
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
Illinois
Autism Insurance Bill: Public Law 095-1005
Is ABA Therapy covered: Yes
Coverage Limits by Age: 21 years old and under
Coverage Limits by Amount: $36,000 per year
Indiana
Autism Insurance Bill: IC-27-8-14.2
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
Iowa
Autism Insurance Bill: HF 215
Is ABA Therapy covered: Yes
Coverage Limits by Age: 19 years old and under
Coverage Limits by Amount:
For 7 years and under it is $36,000 per year
For 7 to 14 years it is $25,000 per year
For 14 to 19 years it is $12,500 per year
Kansas
Autism Insurance Bill: HB 2744
Is ABA Therapy covered: Yes
Coverage Limits by Age: 12 years old and under
Coverage Limits by Amount:
If you are diagnosed after 5 years old then ABA therapy is limited to 1,300 hours per year for 4 years.
If you are diagnosed before 5 years old then ABA therapy is limited to 520 hours per year until 12 years old.
Kentucky
Autism Insurance Bill: HB 159
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
Louisiana
Autism Insurance Bill: Act 208
Is ABA Therapy covered: Yes
Coverage Limits by Age: 21 years old and under
Coverage Limits by Amount: $36,000 per year
Maine
Autism Insurance Bill: LD 2768
Is ABA Therapy covered: Yes
Coverage Limits by Age: 10 years old and under
Coverage Limits by Amount: $36,000 per year
Maryland
Autism Insurance Bill: Code of Maryland Regulations 31.10.39
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
Massachusetts
Autism Insurance Bill: H4935
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
Michigan
Autism Insurance Bill: SB 414, SB 415, and SB 981
Is ABA Therapy covered: Yes
Coverage Limits by Age: 18 years and under
Coverage Limits by Amount:
For 6 years and under it is $50,000 per year
For 7 to 12 years it is $40,000 per year
For 13 to 18 years it is $30,000 per year
Minnesota
Autism Insurance Bill: HF 1233
Is ABA Therapy covered: Yes
Coverage Limits by Age: 18 years and under
Coverage Limits by Amount: None
Mississippi
Autism Insurance Bill: HB 885
Is ABA Therapy covered: Yes
Coverage Limits by Age: 8 years and under
Coverage Limits by Amount: 25 hours per week
Missouri
Autism Insurance Bill: HB 1311 and HB 1341
Is ABA Therapy covered: Yes
Coverage Limits by Age: 19 years and under
Coverage Limits by Amount: $40,000 per year
Montana
Autism Insurance Bill: SB 234
Is ABA Therapy covered: Yes
Coverage Limits by Age: 18 years and under
Coverage Limits by Amount:
For 8 years of age or younger it is $50,000 per year
For 9 through 18 years of age it is $20,000 per year
Nebraska
Autism Insurance Bill: LB 254
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 21 years of age
Coverage Limits by Amount: 25 therapy hours per week
Nevada
Autism Insurance Bill: AB 162
Is ABA Therapy covered: Yes
Coverage Limits by Age: 18 years or younger (if still in high school limit is increased to 22 years old)
Coverage Limits by Amount: $36,000 per year
New Hampshire
Autism Insurance Bill: HB 569
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 21 years old
Coverage Limits by Amount:
For 12 years of age or younger it is $36,000 per year
For 12 through 21 years of age it is $27,000 per year
New Jersey
Autism Insurance Bill: P.L.2006, c. 115
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 21 years old
Coverage Limits by Amount: None
New Mexico
Autism Insurance Bill: HB 322
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
New York
Autism Insurance Bill: A8512
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
North Carolina
Autism Insurance Bill: SB 676
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 19 years old
Coverage Limits by Amount: $40,000 per year
North Dakota
Autism Insurance Bill: Bulletin 2018-1
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
Ohio
Autism Insurance Bill: HB 463
Is ABA Therapy covered: Yes
Coverage Limits by Age: 21 years old and under
Coverage Limits by Amount: 20 hours per week of ABA therapy
Oklahoma
Autism Insurance Bill: HB 2962
Is ABA Therapy covered: Yes
Coverage Limits by Age: None (per bulletin NO. 2021-03)
Coverage Limits by Amount: None (per bulletin NO. 2021-03)
Oregon
Autism Insurance Bill: SB 365
Is ABA Therapy covered: Yes
Coverage Limits by Age: None (per Bulletin INS 2014-2)
Coverage Limits by Amount: None (per Bulletin INS 2014-2)
Pennsylvania
Autism Insurance Bill: HB1150
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 21 years old
Coverage Limits by Amount: $36,000 per year
Rhode Island
Autism Insurance Bill: R.I. Gen. Laws ยง20.11
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 15 years old
Coverage Limits by Amount: $32,000 per year
South Carolina
Autism Insurance Bill: R85, S20
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 16 years old
Coverage Limits by Amount: $50,000 per year
South Dakota
Autism Insurance Bill: SB 190
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 19 years and older
Coverage Limits by Amount:
For 7 years of age or younger it is $36,000 per year
For 7 through 14 years of age it is $25,000 per year
For 14 through 19 years of age it is $12,500 per year
Tennessee
Autism Insurance Bill: Bulletin 19-01
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
Texas
Autism Insurance Bill: SB 1484
Is ABA Therapy covered: Yes
Coverage Limits by Age: No limit as long as the diagnosis was before 10 years of age.
Coverage Limits by Amount:
Under 10 years of age no limits.
Over 10 years of age maximum benefit of $36,000
Utah
Autism Insurance Bill: SB 95
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
Vermont
Autism Insurance Bill: S.223
Is ABA Therapy covered: Yes
Coverage Limits by Age: under 21 years of age
Coverage Limits by Amount: None
Virginia
Autism Insurance Bill: SB 1031
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: $35,000 per year
Washington
Autism Insurance Bill: SB 5059
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
West Virginia
Autism Insurance Bill: HB 4260
Is ABA Therapy covered: Yes
Coverage Limits by Age: Must be between 18 months and 18 years old.
Coverage Limits by Amount: $30,000 maximum for 3 consecutive years. After that the maximum monthly benefit is $2,000.
Wisconsin
Autism Insurance Bill: 632.895(12m) Wis. Stat Act 28 Section 609.87
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: There is a maximum annual benefit of $50,000 for a minimum of 4 years between the ages of 2-9 years. After 4 years the maximum coverage is $25,000 annually.
Wyoming
Autism Insurance Bill: Bulletin 01-2019
Is ABA Therapy covered: Yes
Coverage Limits by Age: None
Coverage Limits by Amount: None
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