Provided by On The Mark Behavioral Services (On The Mark BS)

Finding the right care for a child with Autism Spectrum Disorder (ASD) is deeply personal—and understanding how to afford that care shouldn’t be another source of stress. At On The Mark Behavioral Services, we specialize in Applied Behavior Analysis (ABA) therapy, and we’re also experts in helping families navigate the insurance process from start to finish.

In this guide, you’ll learn everything you need to know about getting ABA therapy covered by insurance in New Jersey, and how On The Mark BS can help make the process smooth, supportive, and transparent.

 What is ABA Therapy and Why Is It Important?

Applied Behavior Analysis (ABA) is a structured, evidence-based therapy that focuses on improving specific behaviors in children with autism and other developmental challenges. This includes enhancing:

• Communication and language skills

• Social interactions

• Learning and academic readiness

• Self-care and independence

• Reducing harmful or disruptive behaviors

ABA therapy has been endorsed by the U.S. Surgeon General and the American Academy of Pediatrics as the gold standard for autism treatment. It is not a luxury—it is a medically necessary intervention that helps children thrive at home, in school, and in life.

Is ABA Therapy Covered by Insurance in New Jersey?

Yes. Thanks to New Jersey state laws and the federal Affordable Care Act (ACA), insurance providers are required to cover ABA therapy for children with autism.

Under New Jersey’s autism insurance mandate (P.L. 2009, c.115):

• Insurers must cover medically necessary ABA services for children diagnosed with autism.

• Coverage applies to children under the age of 21.

• There are no lifetime caps on ABA therapy.

• Many plans also include coverage for assessments, parent training, and supervision by a Board Certified Behavior Analyst (BCBA).

This law applies to most fully funded health insurance plans, state-funded health programs, and employer-sponsored plans regulated by New Jersey.

Types of Insurance That May Cover ABA Therapy

Families in New Jersey may qualify for ABA therapy coverage through:

Private Insurance Providers

We accept many major carriers, including:

• Horizon Blue Cross Blue Shield

• Aetna

• Cigna

• UnitedHealthcare

• AmeriHealth

• Optum
  (And others – we’ll help you verify.)

NJ Medicaid (FamilyCare)

If your child is enrolled in New Jersey FamilyCare, they may qualify for ABA services at no cost to you. We’ll help assess eligibility and assist with Medicaid-related paperwork.

Self-Funded Employer Plans

Some large employers operate their own insurance plans. While these are not required to follow state mandates, many voluntarily cover ABA therapy. We’ll help you understand your benefits.

 How On The Mark BS Helps With Insurance

Insurance paperwork can be confusing, but you don’t have to go through it alone. At On The Mark Behavioral Services, we’ve built a system to make things easier for families from day one.

Here’s what we offer:

• Free insurance verification — We’ll confirm your coverage before therapy begins.

• Help with authorizations and referrals — We coordinate directly with your insurance company to handle all approvals.

• Support with documentation and claims — We submit claims on your behalf and track reimbursement.

• Ongoing reauthorization assistance — We make sure your child’s services continue without interruption.

Our administrative team is just as dedicated as our therapists. From your first phone call to your child’s first milestone, we’re with you every step of the way.

 What ABA Services Are Typically Covered?

Depending on your insurance plan, the following services may be included:

• Initial assessments and evaluations

• 1:1 ABA therapy sessions with a Registered Behavior Technician (RBT)

• Treatment planning and program updates from a BCBA

• Parent and caregiver training

• Progress monitoring and goal reviews

• In-home, school, or community-based sessions

All services are personalized to fit your child’s needs, goals, and developmental stage.

 What If My Plan Doesn’t Cover ABA Therapy?

If your plan doesn’t cover ABA, or if you’re uninsured, don’t worry—we’ll help you find a solution.

Our team can assist with:

• Medicaid eligibility checks

• Flexible private pay options

• Payment plans tailored to your budget

• Connections to community or nonprofit funding

We are committed to ensuring that cost is never a barrier to receiving high-quality ABA therapy.

 Why Choose On The Mark Behavioral Services?

We’re more than just a provider—we’re your partner in care. At On The Mark BS, we offer:

• Services across New Jersey

• Experienced, certified BCBAs and RBTs

• Compassionate, family-centered care

• In-home and community-based sessions

• Transparent communication and support

We don’t just provide therapy. We empower families, celebrate growth, and build brighter futures for every child we serve.

Take the First Step Today

If you’re ready to start ABA therapy or want to know if your insurance covers it, contact us today for a free consultation and benefits verification.

We’ll take care of the paperwork—so you can focus on your child.