Understanding Costs

At True Torch ABA, we know that navigating the financial side of therapy can feel overwhelming. Our goal is to make the process as simple and transparent as possible, so families can focus on what matters most—supporting their child’s growth and progress.

Private Pay Options

For families who do not use insurance or whose plans do not cover services, we offer flexible private pay options. This includes:

  • Transparent, hourly service rates

  • Package options available for certain services

  • Payment plans to help make therapy accessible

Choosing private pay allows families full control over therapy frequency and service type, without the restrictions of insurance approvals.

Insurance Based Coverage

Many private insurance plans cover Applied Behavior Analysis (ABA), Speech Therapy, and Physical Therapy when medically necessary. Coverage depends on your specific policy and may include:

  • Assessments & Evaluations

  • Direct Therapy Hours

  • Supervision & Parent Training

Our team will:

  • Verify your insurance benefits before services begin

  • Explain co-pays, deductibles, and co-insurance requirements

  • Provide a clear summary of your out-of-pocket costs

We currently work with major insurance providers and are always expanding our network. Contact us to see if your plan is accepted.

Medicaid Coverage

We proudly accept Medicaid for families who qualify. Medicaid coverage often includes:

  • Full or partial coverage of ABA therapy

  • Speech and Physical Therapy services when medically necessary

  • Minimal or no out-of-pocket costs for families

Because Medicaid benefits can vary by state and program, our team will guide you through eligibility and authorization so your child can begin services as smoothly as possible.

Here to help

We are a clinician-led practice that values honesty, transparency, and family support over profit. Whether you are using private insurance, Medicaid, or private pay, we will walk you through the process step by step so you always know what to expect.

At True Torch ABA, your child’s progress—not paperwork—comes first.

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