The field of Applied Behavior Analysis (ABA) plays a crucial role in the treatment of autism spectrum disorder (ASD). However, insurance coverage for ABA therapy varies across states, with different age caps and dollar amounts. In this comprehensive guide, we will provide an overview of ABA insurance age caps and dollar amounts by state. Additionally, we will answer frequently asked questions about the Alaska autism insurance law, ensuring you have the most up-to-date information.
Alaska Autism Insurance Law FAQ:
1. Alaska Insurance Law History:
The Alaska autism insurance law, SB 74, was enacted on September 25, 2012.
2. Plan Types and Effective Date of Coverage:
The Alaska autism insurance law applies to small group plans with 26 to 50 employees. Plans with 21-25 employees may opt out of coverage with a demonstrated premium increase of 3% or more within a 12-month period. Plans with 20 or fewer employees are not required to provide coverage for autism treatment.
3. Age Limits and Annual Dollar Caps:
Coverage under the Alaska autism insurance law is limited to individuals with autism under the age of 21. There are no annual dollar caps on covered services.
Additional Details:
A copy of the enrolled SB 74 can be found here.
Insurance Age Caps and Dollar Amounts by State:
Alabama (AL): Under 18 with an annual cap of $36,000.
Alaska (AK): Under 21 with no cap.
Arizona (AZ): Under 16 – Under the age of 9 = $50,000/year; Between the ages of 9 and 16 = $25,000/year.
Arkansas (AR): Under 18 with an annual cap of $50,000.
California (CA): No caps or limits.
Colorado (CO): Under 19 – Under the age of 9 = $34,000/year; Between the ages of 9 and 19 = $12,000/year.
Connecticut (CT): Under 15 – Under the age of 9 = $50,000/year; Between the ages of 9 and 13 = $35,000/year; Between the ages of 13 and 15 = $25,000/year.
Delaware (DE): Under 21 with no cap.
Florida (FL): Under 18 with an annual cap of $36,000.
Georgia (GA): Under 6 with an annual cap of $30,000.
Hawaii (HI): Under 14 with an annual cap of $25,000.
Idaho (ID): Under 18 with an annual cap of $36,000.
Illinois (IL): Under 21 with no cap.
Indiana (IN): Under 21 with no cap.
Iowa (IA): Under 21 with no cap.
Kansas (KS): Under 12 with an annual cap of $36,000.
Kentucky (KY): Under 21 with no cap.
Louisiana (LA): Under 21 with no cap.
Maine (ME): Under 10 with an annual cap of $36,000.
Maryland (MD): Under 18 with an annual cap of $36,000.
Massachusetts (MA): Under 21 with no cap.
Michigan (MI): Under 21 with no cap.
Minnesota (MN): Under 18 with an annual cap of $36,000.
Mississippi (MS): Under 21 with no cap.
Missouri (MO): Under 18 with an annual cap of $40,000.
Montana (MT): Under 18 with an annual cap of $40,000.
Nebraska (NE): Under 21 with no cap.
Nevada (NV): Under 18 with an annual cap of $36,000.
New Hampshire (NH): Under 21 with no cap.
New Jersey (NJ): Under 21 with no cap.
New Mexico (NM): Under 11 with an annual cap of $36,000.
New York (NY): Under 21 with no cap.
North Carolina (NC): Under 21 with no cap.
North Dakota (ND): Under 18 with an annual cap of $36,000.
Ohio (OH): Under 14 with an annual cap of $27,000.
Oklahoma (OK): Under 9 with an annual cap of $25,000.
Oregon (OR): Under 19 with an annual cap of $36,000.
Pennsylvania (PA): Under 21 with no cap.
Rhode Island (RI): Under 21 with no cap.
South Carolina (SC): Under 18 with an annual cap of $50,000.
South Dakota (SD): Under 18 with an annual cap of $36,000.
Tennessee (TN): Under 21 with no cap.
Texas (TX): Under 10 with an annual cap of $36,000.
Utah (UT): Under 18 with an annual cap of $45,000.
Vermont (VT): Under 21 with no cap.
Virginia (VA): Under 10 with an annual cap of $30,000.
Washington (WA): Under 18 with an annual cap of $36,000.
West Virginia (WV): Under 18 with an annual cap of $36,000.
Wisconsin (WI): Under 18 with an annual cap of $50,000.
Wyoming (WY): Under 12 with an annual cap of $36,000.
Understanding insurance age caps and dollar amounts for ABA therapy is crucial for providing autism therapies. Remember to consult reputable sources for the most up-to-date information regarding insurance coverage for ABA therapy in your area.
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Disclaimer: The information provided in this guide about ABA insurance age caps and dollar amounts by state is for informational purposes only and should not be considered as legal advice. While we strive to ensure the accuracy and reliability of the information presented, laws and regulations surrounding insurance coverage for autism therapy may change over time and vary between jurisdictions. It is important to consult with a legal professional or relevant state authority to obtain current and specific guidance regarding insurance coverage for ABA therapy in your state.