Financing & Payment Options

Options Beyond Insurance Coverage

Financing Options for ABA Therapy

Starting care should feel possible – emotionally and financially. We know navigating costs and coverage can feel overwhelming. We offer flexible financing options that help families get autism evaluations and start therapy sooner, with clarity and compassion.

Contact Us About Financing Options   855.782.7822

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Flexible Financing Options for ABA Therapy & Diagnostics

More ways to start care without delay

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First ABA provider to offer CareCredit® – a credit card with flexible financing options so you can pay over time for care you want or need.
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Payment plans that fit your life – flexible structures and predictable monthly payments available for 6 to 60 months.
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Clear, family-focused guidance from our intake team every step of the way.

What Does ABA Therapy Cost?

The cost of ABA therapy can vary based on your child’s unique needs and treatment plan. Because ABA therapy is highly individualized, there is no single, fixed price that applies to every family.

For many families, insurance covers a significant portion of ABA therapy. However, out-of-pocket costs may still apply depending on your specific plan details.

Factors That Can Affect the Cost of ABA Therapy

The overall cost of care may be influenced by several factors, including:

  • Your insurance plan and level of coverage
  • Deductibles, co-insurance, and out-of-pocket maximums
  • The number of therapy hours recommended based on your child’s needs
  • Authorization requirements and the expected length of care

What This Means for Your Family

We understand that cost questions can feel overwhelming – especially when you’re focused on getting your child the support they need. That’s why our team takes the time to review your individual situation and explain what costs may look like before you move forward.

If insurance does not cover the full cost of care, we’ll help you explore flexible payment options. These may include our internal payment plans or optional external resources such as CareCredit®, giving families additional flexibility and peace of mind.

Our goal is simple: clear answers, no surprises, and a path forward that feels manageable.

Choosing the Right Financing Option

To support different needs and situations, we offer two financing paths. One is an interest-free payment plan managed directly with our team. The other is an optional healthcare financing option through CareCredit®. Both are designed to provide flexibility, clarity, and choice – so you can move forward with confidence.

  • Flexible payment structures
  • Up to 24 months to pay (new)

Best for:
Families who want to spread out payments for diagnostics or ABA therapy.

Contact Us About Internal Financing

  • 6-month deferred interest plan.*
  • Fixed monthly payment plans – 24, 36, 48, or 60 months
  • Predictable monthly payments based on approved terms

Best for:
Families who prefer longer repayment timelines or fixed monthly payments for diagnostics or ABA therapy.

Apply for CareCredit®

*No interest if paid in full within 6 months

Behavioral Innovations and CareCredit®

For families who would like additional flexibility, Behavioral Innovations also offers CareCredit® as an optional financing option.

CareCredit® is a healthcare financing program that families may choose to use for eligible out-of-pocket costs related to care. Approval and enrollment are handled directly through CareCredit®, and participation is completely optional.

Families may choose CareCredit® for:

  • Added flexibility with healthcare expenses
  • Financing options that fit their budget
  • Support alongside insurance or internal assistance

Learn More About CareCredit®

Please note: CareCredit® is completely optional. Approval, terms, and account management are handled directly by CareCredit®. Behavioral Innovations does not determine credit decisions or financing terms.

Our Commitment to Families

When families partner with Behavioral Innovations, you’re never expected to navigate financial decisions alone. Our experienced billing and support team works directly with you to explain coverage, answer questions, and explore options that fit your family’s needs.

We’re here to guide you through every step, from understanding benefits to reviewing additional support options when needed.

We support families by helping with:

We review your insurance benefits and help you understand what coverage may be available for ABA therapy, including what your plan includes and how it applies to your child’s care.

Our team supports you through authorizations and ongoing billing questions, helping ensure claims are submitted correctly and addressing concerns as they come up.

We explain how costs may work with your specific coverage, including factors that can affect out-of-pocket expenses, so there are no surprises along the way.

Every family’s situation is different. We provide guidance tailored to your needs and help explore available options based on your circumstances.

Frequently Asked Questions About Financial Options

Navigating financial options can feel overwhelming. These FAQs help answer common questions and explain next steps.

Once you submit the intake form, our team reviews the information and follows up to help guide you through next steps. This may include reviewing coverage details, discussing available options, or answering any questions you may have.

No. Submitting the intake form does not commit you to services. It simply allows our team to better understand your situation so we can provide guidance and answer questions.

Financing options throug Behavioral Innovations and Care Credit can be utilized towards payments for diagnostics and ABA therapy.

Timelines can vary depending on insurance plans and individual circumstances, but our goal is to move as efficiently as possible while ensuring families have clear and accurate information.

Having basic insurance information (if applicable) and general details about your child can be helpful, but you don’t need to have everything figured out before starting. Our team will help guide you through what’s needed.

Yes. Any information you share is handled securely and used only to help support your family and guide you through available options.

We understand that circumstances can change. Our team is here to help answer questions and provide guidance if your situation or coverage changes.

If you’re unsure where to begin, our team is happy to help. You can submit the intake form or contact us directly, and we’ll guide you from there.

Testimonials

Hear From Our Families

We absolutely LOVE this center for our child! The entire staff is very friendly, welcoming, patient, professional, and the facility is super clean. Our son […]
We absolutely LOVE this center for our child! The entire staff is very friendly, welcoming, patient, professional, and the facility is super clean. Our son has made a LOT of progress since attending and we can’t wait to see how far he goes.
Yasmine C December, 2025
We have been bringing our son to Behavioral Innovations over a year now, and the experience has been overwhelmingly positive. From day one, the staff […]
We have been bringing our son to Behavioral Innovations over a year now, and the experience has been overwhelmingly positive. From day one, the staff made us feel welcome and understood our son’s unique needs. They developed a personalized plan that really works. We’ve seen significant improvements in his social skills, behavior management, and daily living activities. We wholeheartedly recommend Behavioral Innovations- Sugar Land to any family looking for high-quality, compassionate ABA therapy.
Jessica W December, 2025
My son has been going to this facility for the past two and a half years and he is improving a lot. The staffs and […]
My son has been going to this facility for the past two and a half years and he is improving a lot. The staffs and the management team are wonderful and easy to communicate. My son loves going there. I would highly recommend BI.
Eric D December, 2025
Behavioral Innovations has been an absolute blessing for my family. My son is going on 6 and has been attending since he was 3, and […]
Behavioral Innovations has been an absolute blessing for my family. My son is going on 6 and has been attending since he was 3, and the amount of progress he has made is truly tremendous. The therapists and staff are patient, caring, and incredibly dedicated to helping each child reach their full potential. I am so grateful for the support and guidance we’ve received here. Behavioral Innovations has made a huge difference in our lives, and I would highly recommend them to any parent looking for a positive, supportive place for their child to grow.
Stacy A December, 2025
Behavioral Innovations has been an amazing center. They have the best BCBAs and the RBTs. My son has been going for months and there has […]
Behavioral Innovations has been an amazing center. They have the best BCBAs and the RBTs. My son has been going for months and there has been many improvements. He’s excited to go everyday and that’s how I know he feels safe and understood.
Shakari W December, 2025
My son has been attending this facility for a little over two years. I am generally hesitant to leave him anywhere because he is nonverbal, […]
My son has been attending this facility for a little over two years. I am generally hesitant to leave him anywhere because he is nonverbal, but when I drop him off here, I know he is in good hands. The entire team is consistently friendly, patient, and supportive. The staff is exceptional, and the center administrator is especially professional, understanding, and attentive to my son’s needs. I am truly pleased with the progress my child has made. I highly recommend Behavioral Innovations not only because of the positive developmental progress, but also because I have peace of mind while I’m at work, knowing my child is being well cared for. As a parent of an autistic child, that peace of mind is invaluable.
Jalessa J December, 2025
My son has been at Behavioral Innovations for almost 2 – 3 years now and I’ve seen a tremendous amount of improvement in him. He’s […]
My son has been at Behavioral Innovations for almost 2 – 3 years now and I’ve seen a tremendous amount of improvement in him. He’s more attentive than he was and he tries new things, and he loves to go there. Overall, this place has truly been a blessing. From the ladies at the front to the therapist to our BCBA. I couldn’t have asked for a better community for my kiddo! Thank you.
Kiaa C December, 2025
Overall, the facility and staff are really great. My child is coming from a school environment and  I could definitely see the difference in how […]
Overall, the facility and staff are really great. My child is coming from a school environment and  I could definitely see the difference in how they focus on the behavioral needs, often modifying there teaching plans as my child was learning. They even help the parents learn strategies to help navigate this experience. They really went above and beyond!
Meli M November, 2025
Behavioral Innovations ABA Therapy has been such a blessing for my son and our family. Since starting ABA here, my son has improved so much […]
Behavioral Innovations ABA Therapy has been such a blessing for my son and our family. Since starting ABA here, my son has improved so much in his communication, behavior, and daily skills. The staff is truly amazing—so patient, kind, and understanding with both the children and the parents. I feel supported, heard, and cared for every time we walk through the door. I’m extremely grateful for the team at Behavioral Innovations. I highly recommend them to any parent looking for a place that truly puts the children first.
April W. November, 2025
They are great! My son loves going here. They make you feel supported, secure, and their communication is amazing! I love this experience for my child he’s showing good progress! 10/10.
Ayejah B. November, 2025