Insurance should never be in the way

Career Based Solutions works with most major insurance providers to make ABA therapy accessible for Virginia families. We verify your benefits at no cost, handle every authorization, and deal with the insurance runaround so therapy can start without delay.


Don't see your plan listed? Reach out anyway. We work with dozens of carriers beyond what's shown here, and we're happy to check your specific coverage.

What we do for you

We check everything first

Tell us about your insurance, and we'll figure out exactly what's covered before you commit to anything. No surprises halfway through treatment.

We get authorization

Most insurance companies require prior authorization before ABA therapy begins. We submit all the paperwork, follow up with your insurer, and handle any requests for additional information.

We explain the real costs

Before your child's first session, you'll know what insurance covers and what you'll pay. Clear numbers, no hidden fees, no surprise bills three months later.

We deal with the paperwork

Insurance claims, follow-up calls, resubmissions if needed, appeals when coverage gets denied, we handle it so you don't have to.

An RBT shows three flashcards featuring clothing items to a child sitting on a rug in a bright room.

Insurance plans we accept

These are just some of the plans we accept. If your insurance isn't shown here, contact us. We work with many carriers beyond what's listed, and we're happy to verify your specific coverage.

We work with most major insurance carriers serving Virginia families including:

What Virginia insurance law requires

Virginia law mandates that health insurance plans cover ABA therapy for children with autism. Here's what that means:

  • Up to $35,000 per year for ABA therapy and related autism treatments
  • Coverage through age 10 (many plans extend beyond this voluntarily)
  • Applies to fully insured commercial plans

Virginia Medicaid goes further:

  • No annual dollar cap on medically necessary ABA services
  • Coverage through age 21
  • Includes all autism-related therapies deemed medically necessary

Self-funded employer plans aren't required to follow state mandates, but many choose to cover ABA therapy anyway. We'll verify your specific plan's benefits regardless.

What your insurance benefits usually include

When insurance approves ABA therapy services, here's what's typically covered:

One-on-one sessions in your home where your child works on communication, behavior, social skills, and daily living skills with a trained therapist.

Structured sessions in our Fredericksburg clinic with access to specialized equipment and social learning opportunities.

We teach you strategies to reinforce progress between sessions and after formal therapy ends, so you're equipped to support your child long-term.

Regular assessments and plan adjustments by your BCBA to ensure therapy is working and goals are being met.

Coverage varies by plan, but we'll walk you through exactly what yours includes.

How the insurance approval process works

ABA therapy intake process for families at Career Based Solutions

Reach out

Call us or fill out our contact form. We'll ask for your insurance information and your child's diagnosis paperwork.

Insurance and benefits verification for ABA therapy services

We verify everything

We'll contact your insurance company, verify your benefits, and let you know what's covered. No surprises.

BCBA initial assessment to create personalized ABA therapy plan

We handle authorization

We submit prior authorization requests with all the required documentation and follow up until approval comes through.

ABA therapy sessions begin with personalized treatment program

Therapy begins

Once approved, we schedule your child's first session. Therapy starts in your home or at our clinic, on your schedule.

A child sitting on a wooden indoor swing in a room filled with colorful plastic building blocks scattered on the floor.

Common questions about ABA therapy insurance

  • Will insurance pay for all of it?

    Depends on your plan. Some families pay nothing beyond their regular premium. Others have copays, deductibles, or coinsurance. We'll find out exactly what yours requires before you spend a dime.

  • How much therapy will insurance approve?

    Most Virginia plans approve 10-30 hours per week, depending on your child's needs and your specific coverage. We'll request the hours your child needs and let you know what gets approved.

  • Do I need a referral from my pediatrician?

    Some plans require it, some don't. We'll let you know what your plan needs and help you get any required paperwork.

  • What if insurance says no?

    We help you appeal with additional documentation from your child's doctor or our clinical team. Most denials can be overturned with the right information.

  • How long does authorization take?

    Usually 7-14 business days. Sometimes faster, occasionally longer if your insurance company asks for more information. We'll keep you updated throughout the process.

  • What happens when my authorization expires?

    ABA therapy authorizations are typically approved for 3-6 months at a time. We track your authorization period and submit renewal requests before your current one expires, so there's no gap in services.

  • Can I use my HSA or FSA card?

    bsolutely. ABA therapy is a qualified medical expense, so you can use HSA or FSA funds to cover any out-of-pocket costs.

  • What if I don't have insurance?

    We'll work with you. Contact us to discuss self-pay rates or payment plans.

  • Will my benefits run out?

    ABA therapy is usually covered for as long as it's medically necessary. We monitor your benefits and keep you updated throughout the process.

Let's get you covered

Our team has seen every type of plan, every kind of coverage question, and every insurance curveball you can imagine.


We've helped hundreds of Fredericksburg families get coverage approved. Let us help yours.