Question 1

How much does ABA therapy cost in Indianapolis?

Accepted Answer

ABA therapy in Indianapolis costs $95–$155 per hour, below the national average. For 20 hours per week, monthly costs run $7,500–$12,500 without insurance. Indiana commercial insurance covers ABA up to $40,000 per year through age 18.

Question 2

What is Indiana's $40,000 ABA insurance cap?

Accepted Answer

Indiana law (IC 27-8-14.2) requires commercial insurers to cover ABA therapy up to $40,000 annually for individuals through age 18. For part-time programs (10–15 hours/week) at Indianapolis rates, this cap is usually sufficient for a full year. Intensive programs may exhaust the cap by mid-year.

Question 3

Does Indiana Medicaid cover ABA therapy?

Accepted Answer

Yes. Indiana Medicaid covers ABA for children with an autism diagnosis through the HIP 2.0 program and traditional Medicaid for children. Coverage through Medicaid is not subject to the $40,000 commercial insurance cap and does not have the same age limit.

Question 4

Is Indianapolis below the national average for ABA costs?

Accepted Answer

Yes. Indianapolis ABA rates ($95–$155/hr) are below the national average of $120–$150/hr. This reflects Indiana's lower overall cost of living and BCBA compensation levels. Families relocating from coastal metros often find Indianapolis significantly more affordable for ABA services.

ABA Therapy Cost in Indianapolis

ABA Insurance Coverage in Indiana

What to Expect in Indianapolis

Frequently Asked Questions

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