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What will ABA actually cost your family?
Six taps. No typing, no email, nothing saved. You'll see the most a 2026 plan could make you pay — and whether your child qualifies for a program that covers ABA with no yearly cap at all.
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Question 1 of 5
How old is your child?
Age changes which programs your family can use — it's the first thing that matters.
How many people are in your household?
Count everyone you claim on your tax return — you, any partner, and your children.
Roughly what does your household earn in a year?
Before taxes, your best guess. Pick the range you're closest to — we never see it, and nothing is saved.
Want a sharper answer?
How many hours of ABA a week?
Whatever the clinic or doctor recommended. If nobody has said a number yet, that's completely normal — pick the first one.
Does your child have an SSI or Social Security disability determination?
This is a letter from Social Security. Plenty of families don't have one — "not sure" is a perfectly good answer.
Where your family stands
This used the income range you tapped, so it's approximate. If your household sits near a cut-off, the exact figure can change which programs apply — .
Your best paths, in order
Start at the top. Most families skip straight to a marketplace plan and never check the two above it — that mistake can cost a five-figure difference in a therapy year.
What ABA bills — and what you'd actually pay
Keep this
Want this in writing — and a human to check your actual plans?
We'll email you the written playbook and, if you want it, a licensed Texas advisor will check every 2026 plan in your county against your clinic, your doctors and your prescriptions. Both free.
One follow-up, from a person. No spam, no drip campaign, no selling your details on. Unsubscribe any time.
We store your name, email and phone so we can send the guide and follow up once. Your answers are only included if you tick the box above — they are never sent otherwise.
Sent. Read it now:
A licensed advisor from our Houston office will reach out once. If you'd rather call us first: 281.493.6862.
While it's on your mind — many parents pair this with life insurance that protects your child's future: 10 minutes online, no blood work.
What happens after the check
No pressure, no sales call you didn't ask for. You choose how far to go.
You see where you stand
Right here on this page, in about a minute. Nothing is saved and nobody calls you.
You take the guide with you
The written playbook, in English or Spanish — the questions to ask a carrier and the traps in clinic paperwork.
A human checks your real plans — free
Name your clinic, doctors and prescriptions and a licensed Texas advisor checks every 2026 plan in your county against them.
Take the whole playbook with you
The Texas ABA Coverage Playbook — everything above in writing, plus the parts a quick check can't do: your rights when no clinic is in network, the balance-billing trap in clinic intake paperwork, the prior-authorization checklist, and the exact questions to ask a carrier before you enroll. In English and Spanish. Free.
Why we ask for an email: so we can send it, and check in once. That's it.
We store your name and email so we can send the guide and follow up once — nothing from the check above is saved or sent. No spam, unsubscribe any time.
It's yours. Read it now:
Want the plan-by-plan answer for your exact clinic, doctors and prescriptions? That's a free licensed review — it takes three minutes to request.
Start the full coverage reviewWhat's in the Playbook
The decision order
Why Medicaid, CHIP and Texas's little-known Medicaid Buy-In for Children come before any marketplace comparison — and who qualifies for each in 2026.
The out-of-pocket reality
Why a $150,000 therapy year can legally cost your family at most $21,200 — and the three things that decide whether it actually works that way.
What Texas law does and doesn't promise
The autism mandate covers employer group plans. Two other laws — one federal, one Texan — are what make an individual marketplace plan cover ABA. Which to cite, and how to use them.
Network rights most families never use
When no in-network ABA clinic is reasonably available, Texas insurance law gives you leverage. What a single-case agreement is, and the balance-billing consent hiding in intake paperwork.
The prior-authorization file
Exactly what carriers ask for — evaluation, assessments, treatment plan, CPT codes — and the reauthorization clock nobody warns you about.
Questions to ask before you enroll
A one-page checklist to put to any carrier, in English and Spanish, with the answers that should worry you.
Why this is the practice we built
Autism coverage is not a service line we added because the market looked good. For the last ten years Justin Boulet, one of our two principals, has served with F.A.C.E.S. — the Foundation for Autism Care, Education and Services, a Houston-area nonprofit that awards scholarships so children with autism can get ABA therapy.
If your insurance is not going to cover everything, F.A.C.E.S. is worth knowing about — and one of their rules is the reason this page exists. They will only consider an application once a parent has actually pursued health insurance coverage for the child and still needs help. Insurance first, then the gap. That is the same order we work in.
We are not affiliated with F.A.C.E.S. and we do not decide who receives a scholarship. We point families there because it is the resource we would want if it were our child.
Stuck on a word? That's the system's fault, not yours.
Deductible, out-of-pocket max, prior authorization — we wrote all of it out in plain words. Or just call and ask a person; explaining this is the job.
Read this before trusting any number on this page
- The check is educational arithmetic on public 2026 figures — poverty guidelines, out-of-pocket limits, published public-payer rates. It does not name plans, it does not determine eligibility for anything, and running it stores nothing — nothing leaves your browser unless you ask us to email you your results.
- What insurers actually pay ABA providers is set by private contract and is not public. Every cost here is a range between documented public figures — anyone who gives you one confident number is guessing.
- The plan-by-plan answer — your clinic, your prescriptions, real 2026 plans in your county — needs a licensed human, and that review is free. Nothing is automated into advice.