How Much Is ABA Therapy Out of Pocket?

January 9, 2026

ABA therapy is a proven intervention for children with autism, but many families wonder about the cost, especially when insurance coverage is limited or unavailable. On average, out-of-pocket costs for ABA therapy range from $120 to $200 per hour. For children receiving 20 to 40 hours per week, this can add up to several thousand dollars monthly.

Costs vary based on several factors:



  • Location (clinic, home, or school-based services)

  • Therapist credentials (BCBA vs. RBT)

  • Session frequency and duration

  • State Medicaid rates (e.g., $76–$97/hour in Maryland for eligible families)

Fortunately, many insurance plans in Maryland, Virginia, and North Carolina are required to cover ABA therapy under autism mandates. Families may also reduce costs through Medicaid, TRICARE, FSA/HSA funds, or prompt-pay discounts.


At Divine Steps ABA, we’re committed to making ABA therapy in Maryland, Virginia and North Carolina accessible. Our team helps families navigate insurance, Medicaid, and flexible payment options. 


Let’s build a plan that fits your child’s needs and your budget. Contact us today!


SOURCE: 


https://tricare.mil/Plans/SpecialPrograms/Health-Care-Flexible-Spending-Accounts


https://www.phpni.com/blog/6-ways-hsas-benefit-employees-and-employers


https://www.opm.gov/healthcare-insurance/healthcare/health-savings-accounts/


https://learn.bswift.com/publicis/pre-tax-savings


https://www.reddit.com/r/Autism_Parenting/comments/yephu4/aba_therapy_seems_really_expensive/

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