Insurance and cost, explained plainly.
Cost is usually the first thing families ask about and the hardest thing to get a straight answer on. So here is ours, in plain language, with no forms to fill out first.
Plans we're credentialed with
Don't see your plan? Reach out anyway. Coverage networks change, and in some cases we can pursue a single-case agreement with your carrier. We'll tell you honestly whether it's likely to work rather than leaving you guessing.
What ABA therapy actually costs a family
Missouri law requires most health plans to cover ABA therapy for children with an autism diagnosis. What you pay comes down to your specific plan — your deductible, your copay or coinsurance, and your out-of-pocket maximum.
For families on MO HealthNet or a DMH waiver, ABA services are typically covered with no out-of-pocket cost.
For families on commercial plans, cost varies, and we won't guess at your number. We verify your benefits directly with your carrier and give you a written estimate before your learner starts. You'll know what you're looking at before you commit to anything.
We verify your benefits for you
You don't have to call your insurance company, sit on hold, or decode a benefits summary written for someone else. Send us your insurance information and we'll contact your carrier directly, confirm what's covered, and walk you through what it actually means for your family.
There's no cost for this and no obligation to enroll.
If you don't have coverage
If you're uninsured, underinsured, or between plans, tell us anyway. We can point you toward Missouri Medicaid eligibility screening, DMH waiver programs, and regional resources.
Getting someone the support they need shouldn't come down to having the right card in your wallet. That belief is why Regal exists.
Insurance questions we hear most
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In almost all cases, yes — insurance requires a formal autism or related diagnosis from a qualified provider before it will authorize ABA services. If you don't have one yet, reach out anyway and we'll point you toward evaluation options in the St. Louis area.
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Prior authorization is your insurance company approving services before they begin. Most plans require it for ABA. We handle the entire process — submitting the assessment, the treatment plan, and the requested hours — so you don't have to.
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Many plans cover both, though the approved hours may be split between them. Your BCBA will recommend the mix that fits your learner, and we'll request authorization accordingly. We'll tell you before you start what was approved and what wasn't.
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That depends on your learner's assessment and your plan. Recommendations commonly range from a focused 10 to 15 hours a week up to a comprehensive 30 or more. Your BCBA recommends based on clinical need, then we advocate for those hours with your carrier.
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Tell us as soon as you know. We'll re-verify benefits under the new plan and, if we're credentialed with it, keep services going with as little interruption as possible. If we're not, we'll be straight with you about the options.
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Usually, yes. Parent and caregiver training is a billable ABA service under most plans, and it's one of the most valuable parts of treatment. Many families don't realize it's covered, so it goes unused — we'd rather you use it.
Not sure what your plan covers? Register and we'll verify your benefits at no cost. → Start registration