Flexible Financing for ABA Therapy with CareCredit
Behavioral Innovations is proud to be the first ABA therapy provider to partner with CareCredit, giving families a flexible way to manage out-of-pocket costs with terms from 6 to 60 months.
Prequalify in minutes with no impact to your credit score, then use CareCredit toward deductibles, copays, evaluations, and any balance your insurance does not cover.
The first ABA provider to partner with CareCredit
Behavioral Innovations established one of the first direct CareCredit partnerships in ABA therapy, recognizing that insurance alone does not always close the gap between what a family owes and what they can comfortably pay month-to-month.
CareCredit is a healthcare credit card issued by Synchrony Bank and accepted at more than 260,000 providers nationwide. Behavioral Innovations accepts it for ABA therapy sessions, autism diagnostic evaluations, and other out-of-pocket costs.
CareCredit is entirely optional and is not required to receive services. It is one of two payment paths available at Behavioral Innovations -alongside the interest-free internal payment plan of up to 24 months.
How CareCredit works
Prequalify online
Visit carecredit.com/go/957QHD and prequalify. Prequalification uses a soft credit pull -no impact to your credit score.
Receive a credit decision
CareCredit provides a quick decision. A full application may require a standard credit check. Approval is determined by CareCredit, not by Behavioral Innovations.
Apply it to your therapy costs
If approved, use your CareCredit account for eligible out-of-pocket costs: evaluations, copays, deductibles, and any balance your insurance does not cover.
Make monthly payments
Choose the promotional plan that works for your household and make monthly payments directly to CareCredit (Synchrony Bank).
Choose the plan that fits your budget
CareCredit offers five promotional terms. The 6-month option uses deferred interest. The 24-, 36-, 48-, and 60-month options carry fixed monthly payments.
Rates subject to change. Review current terms at CareCredit.com before applying.
6 months - No interest if paid in full within 6 months
24 months - Predictable payments over 2 years
36 months - Spread costs over 3 years
48 months - Lower monthly payments over 4 years
60 months - Maximum flexibility over 5 years
The 6-month plan is deferred interest, not true 0% APR. Interest accrues from day one. If you pay the full balance before the 6-month deadline, that interest is waived. If any balance remains, all accrued interest is charged in a lump sum. The 24- to 60-month plans have fixed rates from the start.
What can CareCredit be used for?
CareCredit can be used alongside your health insurance and Behavioral Innovations' internal payment plan. The three options are not mutually exclusive.
Eligible expenses
Not covered
Prequalifying does not affect your credit score
You can check your options in minutes at CareCredit.com with no hard pull. A full application may require a standard credit check.
CareCredit vs. the internal payment plan
Behavioral Innovations offers two payment paths for remaining balances after insurance. They can be used at the same time.
| Internal payment plan | CareCredit | |
|---|---|---|
| WHO MANAGES IT | Behavioral Innovations billing team | CareCredit (Synchrony Bank) |
| INTEREST | None | 0% if paid in full within promo period (deferred); fixed APR on longer terms |
| TERM LENGTH | Up to 24 months | 6, 24, 36, 48, or 60 months |
| CREDIT CHECK | No credit application required | Soft pull to prequalify; hard pull on full application |
| APPROVAL | Handled internally | Determined by CareCredit, not by Behavioral Innovations |
| WHAT IT COVERS | Balances owed to Behavioral Innovations | Eligible out-of-pocket costs including evaluations and therapy |
| BEST WHEN | You want no interest and no credit application | You need a term longer than 24 months or prefer a dedicated healthcare card |
| CAN BE COMBINED? | Yes | Yes -use both for larger balances |
Insurance first, CareCredit for the rest
CareCredit is designed for costs your insurance does not cover. For most insured families, that means the deductible (typically $1,000 to $5,000 per year), copays per session, and coinsurance until the out-of-pocket maximum is reached. Once your out-of-pocket maximum is met, most plans cover ABA at 100% for the rest of the plan year. CareCredit is most useful for the early-year accumulation before that threshold is crossed. Behavioral Innovations verifies your benefits within one business day and gives you a written breakdown of expected costs before your child's first appointment, so you know exactly what role CareCredit might play.
Insurance pays
Behavioral Innovations bills your insurer first. For in-network families, most of the cost is covered.
You owe a balance
Deductible, copays, coinsurance, and any non-covered cost become your responsibility.
CareCredit covers the gap
Apply your CareCredit card to eligible out-of-pocket costs on a schedule that works for you.
Monthly payments to CareCredit
You pay Synchrony Bank directly under the promotional plan you chose.
CareCredit frequently asked questions
What is CareCredit?
CareCredit is a healthcare credit card that can be used for eligible ABA therapy out-of-pocket costs after insurance is applied.
Does prequalifying affect my credit score?
You can prequalify online. Prequalifying typically does not affect your credit score; a full application may result in a hard inquiry.
Is CareCredit required to receive services at Behavioral Innovations?
CareCredit is a healthcare credit card that can be used for eligible ABA therapy out-of-pocket costs after insurance is applied.
What is the difference between the 6-month plan and the longer-term plans?
CareCredit is a healthcare credit card that can be used for eligible ABA therapy out-of-pocket costs after insurance is applied.
What can I use CareCredit for at Behavioral Innovations?
CareCredit is a healthcare credit card that can be used for eligible ABA therapy out-of-pocket costs after insurance is applied.
Can I use CareCredit alongside my health insurance?
CareCredit is a healthcare credit card that can be used for eligible ABA therapy out-of-pocket costs after insurance is applied.
Can I use both CareCredit and the internal payment plan?
CareCredit is a healthcare credit card that can be used for eligible ABA therapy out-of-pocket costs after insurance is applied.
What is the CareCredit apply link for Behavioral Innovations?
CareCredit is a healthcare credit card that can be used for eligible ABA therapy out-of-pocket costs after insurance is applied.
How long does it take to get a CareCredit decision?
CareCredit is a healthcare credit card that can be used for eligible ABA therapy out-of-pocket costs after insurance is applied.
Does Medicaid or TRICARE work with CareCredit?
CareCredit is a healthcare credit card that can be used for eligible ABA therapy out-of-pocket costs after insurance is applied.
What if my CareCredit application is denied?
CareCredit is a healthcare credit card that can be used for eligible ABA therapy out-of-pocket costs after insurance is applied.
Does Behavioral Innovations share my information with CareCredit?
CareCredit is a healthcare credit card that can be used for eligible ABA therapy out-of-pocket costs after insurance is applied.
Questions about CareCredit or financing?
Our billing team walks every family through their insurance coverage and payment options before the first appointment. No pressure, no obligation.
- Prequalify without affecting your credit score
- Deferred interest and fixed monthly options
- Use for evaluations and ongoing ABA therapy
- Billing team available to answer questions
Talk to Our Billing Team
We can walk you through CareCredit® options and what fits your family.