# ABA Therapy Insurance Coverage in New York | Cove ABA

> Wondering if ABA therapy is covered by your insurance? Cove ABA explains what's covered, what plans we accept, and how to get started with services in Queens, NY.

Source: https://www.coveaba.com/blog/aba-insurance-coverage-ny

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# Insurance and ABA: What Families Should Know

Evan Schneiderman, BCBA
Jun 13, 2025 · 2 min read

![](/assets/img/post-insurance.jpg)

**Parents reviewing health insurance documents to check coverage for autism therapy services.**

Navigating insurance coverage can feel overwhelming, especially when you're already focused on your child's needs. At Cove ABA, we work to make the process simple and supportive. Below is a breakdown of how insurance works with ABA therapy and what to expect when you get started with us.

## Does Insurance Cover ABA Therapy?

Yes.

ABA therapy is considered a medically necessary service for children with an autism diagnosis. In New York, most insurance plans, including Medicaid, are required to cover it. Exact coverage depends on your plan, and things like copays, preauthorization, and approved hours can vary.

## Plans Cove ABA Accepts

We're in-network with a variety of insurance providers commonly used by families in Queens and nearby areas:

- Anthem Empire Blue Cross Blue Shield (NY)

- Carelon Behavioral Health

- Aetna

- Medicaid

- EmblemHealth

- UnitedHealthcare – Optum

- Cigna Behavioral – Evernorth

If your plan isn't listed, reach out. Insurance networks change often, and we may still be able to help.

## Common Questions from Parents

### Do I need a diagnosis first?

Yes. Insurance plans usually require a formal autism diagnosis before ABA services can begin. If you're not sure where to start, we can refer you to professionals who provide evaluations.

### Will I have a copay or deductible?

That depends on your plan. Some families have no out-of-pocket costs, while others are responsible for part of the services. We'll verify your benefits and explain everything clearly.

### How long does approval take?

Most insurance authorizations are processed in one to three weeks once paperwork is submitted. We'll walk you through each step and keep you updated.

### We're Here to Help

Insurance should never be a barrier to care. At Cove ABA, we handle the paperwork, calls, and approvals so you can focus on your child. Whether you're starting fresh or transferring services, we'll make the transition easy.

We're here to answer your questions and help you get started.

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