Applied Behavior Analysis & Insurance Coverage

We accept most major insurance companies for ABA therapy! Each insurance policy is different and not all policies cover Applied Behavior Analysis. We know insurance can be confusing. We are glad to help you navigate through the process. We handle verification of benefits, collecting required paperwork for authorization, and working with the care representative assigned to the case to reduce the amount of stress on our patients. To get started we need a signed MD order with a qualifying diagnosis and your insurance information. 


Denial of Coverage and Appeals 

Unfortunately, not every policy covers ABA therapy, but that does not necessarily mean it is the end of the road. There are steps you can take to appeal the decision of your insurance company regarding ABA coverage. By law, insurance companies must provide each covered individual with written coverage guidelines and written instructions on the appeals procedures. Typically, the appeals process ends with an Independent Medical Review (IMR). An IMR is an independent review by other professionals in the field, not affiliated with the insurance company, who have the power to overturn the insurance company’s decision. We are happy to help guide our patients through the appeal process. If your appeal process is denied, there are grants (listed below) available. 

Not sure what state law your policy follows? Unsure of your insurance benefits? We can help find out for you! Just give us a call at (931) 287-3710 and our administrative staff will help guide you through the process.


Grant Opportunities

Anchor of Hope Foundation

Click on “What we do” and then “Scholarships” to get the Anchor of Hope scholarship application and instructions. The maximum grant for special needs children for various uses is $250 per family.


Autism Speaks

Grants available to Tennessee Families.


Children’s Special Services

A statewide program offered through the Tennessee Department of Health, which serves children birth to 21 years old with chronic illnesses or disability needs. CSS provides financial assistance for medical bills, prescriptions, durable medical equipment, etc., and case management services related to a child’s special health care needs.


Family Support Services 

This program helps provide financial assistance for a variety of needs including ABA. In the Chattanooga Area, contact Orange Grove at (423) 664-5120. In the Upper Cumberland, contact Pacesetters at (931)537-9179.


Christian Fund for the Disabled.


United Healthcare Children’s Foundation

The UHC Fund facilitates access to medical-related services that enhance a child’s life and to those that are not fully covered by the available commercial health benefit plan.


Variety Children's Charity 

An association of 21 chapters throughout the country that empower local kids who are disabled and disadvantaged to live, laugh and learn. With the help of dedicated volunteers and generous individual/ corporate supporters, Variety - The Children's Charity can expand the horizons of deserving children.