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 LOVEEEEEE BI! Since starting at BI, we’ve seen so much improvement in her! She loves going to see her techs and she always […]
We absolutely LOVEEEEEE BI! Since starting at BI, we’ve seen so much improvement in her! She loves going to see her techs and she always gets so excited to go to “school” 🙂 They’re very easy to communicate with – very sweet and caring!
Shirley V January, 2026
We love, love, love BI! They have been instrumental in developing our daughter into a bright, curious and very vocal child. I can’t thank BI […]
We love, love, love BI! They have been instrumental in developing our daughter into a bright, curious and very vocal child. I can’t thank BI enough for the love, kindness and care that they’ve shown us. Thank you!
Matthew W January, 2026
High praise for compassionate and knowledgeable BCBAs and RBTs. My son has shown so much improvement since he started and it’s all because of their […]
High praise for compassionate and knowledgeable BCBAs and RBTs. My son has shown so much improvement since he started and it’s all because of their hard work and dedication. Behavioral Innovations, thank you for being AMAZING.
Lyn L January, 2026
My daughter has been going to ABA for two years with Behavioral Innovations. I can honestly say they have been best decision I’ve made for […]
My daughter has been going to ABA for two years with Behavioral Innovations. I can honestly say they have been best decision I’ve made for my daughter!! Everyone is so nice and supportive. My daughter loves everyone, loves coming each day, and has improved so much!
Brenda C January, 2026
I absolutely adore Behavioral Innovations. I have seen so much progress with my son. I could not be more happy with the service and the progress.
Ebony J January, 2026
Behavior Innovations is a great place for ABA therapy—caring staff, supportive environment, and a strong focus on helping kids grow and succeed. Professional, compassionate, and family-centered.
Carla S January, 2026
We are beyond grateful for the ABA therapy team here. My son has made so much progress in the two years he’s been here. The […]
We are beyond grateful for the ABA therapy team here. My son has made so much progress in the two years he’s been here. The therapists are patient, compassionate, and truly care about each child they work with. They take the time to understand my son’s needs. I highly recommend Behavioral Innovations to any parent looking for a supportive and dedicated team for their child.
Monica P January, 2026
Behavioral Innovations by far has helped my son tremendously with his autism and navigating this journey and what it will look like for him. We […]
Behavioral Innovations by far has helped my son tremendously with his autism and navigating this journey and what it will look like for him. We have seen an AMAZING shift with our son since starting ABA therapy here and I highly recommend them!
Tasha G January, 2026
Highly recommend Behavioral Innovations! The staff is kind, attentive, and truly cares about the kids and families they serve. We’ve seen great progress and feel very supported.
Yamily A January, 2026
The staff is amazing and truly shows how much they care. They communicate very well and offer excellent group parenting trainings. They also provide many engaging activities for the kids and actively involve parents.
Grecia S January, 2026