Insurance & Financial Resources

Help understanding common insurance concepts involved in accessing ABA services.

Start With Your Specific Plan

Coverage differs by payer, employer plan, Medicaid program, diagnosis, medical-necessity criteria, network status, and authorization rules. General information cannot confirm an individual family’s benefits.

Common Terms

  • Verification of benefits: confirming plan information and general coverage
  • Prior authorization: payer approval required before certain services
  • Medical necessity: payer criteria used to determine whether requested services meet coverage requirements
  • Deductible: amount a member may need to pay before certain plan benefits apply
  • Copay/coinsurance: member cost-sharing that may apply

How The Dailey Institute Helps

During intake, our team verifies available benefits, identifies authorization requirements, and explains known next steps. Benefit verification is not a guarantee of payment because final coverage decisions are made by the payer.

North Carolina Resources

Families may also use official North Carolina Medicaid and their health plan’s member resources to understand eligibility, benefits, appeals, and member services.

Questions to Ask

  • Is ABA covered under my plan?
  • Is a referral or diagnostic documentation required?
  • Is prior authorization required?
  • Are there visit, hour, or network restrictions?
  • What out-of-pocket costs may apply?
  • What happens if my insurance changes?

Important Note

Insurance information changes and varies by plan. Individual benefits must be verified.

Next Step

Use the Insurance & Access page or contact our team to begin benefit verification.

QUESTIONS PEOPLE ASK EVERY DAY

Real questions. Helpful answers. A clearer path forward.
Coverage for ABA therapy varies by insurance plan and individual eligibility. After we get to know you and your child our team will verify your benefits and help you understand your coverage and any applicable requirements before services begin.
Many insurance plans require prior authorization before ABA services can begin. Our team will help coordinate the authorization process and submit the required clinical documentation to your insurance provider.
Requirements vary by insurance providers, but families may be asked to provide insurance information, diagnostic documentation, referral information, and relevant medical or clinical records. Our intake team will let families know exactly what is needed.
Referral requirements vary by insurance plan. Our team will review your plan requirements and let you know if a referral is needed.
Approval timelines vary depending on the insurance provider and documentation required. We will keep families informed throughout the authorization process.
Please let us know as soon as possible if your insurance coverage changes. Our team will verify your new benefits, determine whether a new authorization is required, and work to minimize interruptions in services whenever possible.

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