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ABA (Applied Behavior Analysis) therapy is highly effective for helping children with autism, but its cost can be a significant challenge for families. Luckily, Colorado offers several ways to subsidize these expenses, including Medicaid, private insurance, waiver programs, and the Children’s Health Plan Plus (CHP+). This guide will break down the different financial assistance programs to help you manage the costs of ABA therapy in Colorado.
How Much Does ABA Therapy Cost?
ABA therapy can be costly, with prices ranging up to 120 dollars or more per hour. For children needing 20 to 40 hours of therapy per week, this can total thousands of dollars monthly. Colorado families, however, have access to financial aid programs to reduce these out-of-pocket costs.
Does Medicaid in Colorado Cover ABA Therapy?
Yes, Medicaid in Colorado (Health First Colorado) covers ABA therapy for children diagnosed with autism. Eligible children can access ABA therapy with little to no cost under Medicaid.
- Eligibility: Children up to age 19 can qualify based on income, household size, and disability status.
- Regional Accountable Entities (RAEs): RAEs help families by coordinating Medicaid services and connecting them with ABA providers who accept Medicaid.
This makes ABA therapy much more affordable for families who qualify for Medicaid.
What Is Children’s Health Plan Plus (CHP+)?
Children’s Health Plan Plus (CHP+) is a low-cost health insurance program in Colorado for families who don’t qualify for Medicaid but still need assistance. It is a great option for families with moderate incomes.
- Eligibility: Children up to age 19 and pregnant women can apply if their income is too high for Medicaid.
- Coverage: CHP+ covers essential health services, including ABA therapy.
- Costs: Enrollment fees and co-pays are much lower than private insurance costs.
You can apply for CHP+ through the Colorado PEAK website or by calling 1-800-359-1991.
How Can the CES Waiver Help?
The Children’s Extensive Support (CES) Waiver is another valuable resource for Colorado families. This Medicaid waiver program is specifically designed for children with severe developmental disabilities, including autism. It helps cover additional costs related to ABA therapy and other services that Medicaid may not fully cover.
The CES Waiver can cover:
- Extra ABA therapy hours beyond what Medicaid provides.
- Respite care for caregivers.
- Home modifications to create a safer and more supportive environment for children with disabilities.
To apply for the CES Waiver, contact your local Community Centered Board (CCB), which can assist you through the application process and help you understand the services your child can receive.
What Is the Family Support Services Program (FSSP)?
The Family Support Services Program (FSSP) provides financial assistance to families caring for children with developmental disabilities, including autism. It helps cover various costs related to the child’s disability that are not covered by other programs, such as Medicaid or private insurance.
How FSSP Works:
- Flexibility: Families can use FSSP funds for expenses like respite care, medical equipment, behavioral therapies (such as ABA), and even home or vehicle modifications to accommodate their child’s needs.
- Individualized Support: The program tailors support to each family’s unique situation, offering flexibility based on the needs of the child and family.
How to Apply:
- Contact Your Local CCB: To apply for FSSP, contact your local Community Centered Board (CCB). They will assess your child’s eligibility and guide you through the application process.
- Annual Funding: FSSP funds are allocated on an annual basis, and while they may not cover the full cost of ABA therapy, they provide significant support for many families.
The FSSP is a valuable resource for families who need additional financial assistance outside traditional Medicaid or insurance coverage.
Private Insurance and ABA Therapy in Colorado
Private insurance plans in Colorado are required by law to cover ABA therapy for children with autism under Colorado’s Autism Insurance Mandate.
- Coverage: Each insurance plan is different, but many include ABA therapy as part of their autism services.
- Costs: Families may need to cover co-pays, deductibles, or face annual coverage limits, so it’s essential to check with your insurance provider for specific details.
Financial Assistance Programs in Colorado
Colorado offers additional financial support programs to help families manage the cost of ABA therapy:
- Early Intervention Colorado: Provides free or low-cost services, including ABA therapy, for children under 3. Click here.
- Colorado’s Autism Treatment Fund: Offers financial aid for families whose insurance or Medicaid doesn’t cover the full cost of autism services.
Bright Pathways ABA Is Here to Help
At Bright Pathways ABA, we are committed to making ABA therapy accessible to all families. We work with Medicaid, CHP+, private insurance, and financial assistance programs to help you find the best options for your family. Contact us today to learn more about how we can support your child’s therapy needs.
Disclaimer
The information provided in this article is for informational purposes only and is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Bright Pathways ABA does not assume any responsibility for any outcomes or consequences resulting from the use of this information. Always seek the advice of a qualified healthcare provider with any questions regarding a medical condition or behavioral intervention.
