Insurance Guide · Alabama (AL)
ABA Therapy Insurance in Alabama
Annual Cap
$36,000 per year
Age Limit
Through age 18
Plan Types
Individual and group fully-insured plans
Alabama Mandate Details
Mandate Law
Act 2017-317 (2017)
Year Enacted
2017
Medicaid Coverage in Alabama
Alabama Medicaid covers ABA therapy for children under 21 with an autism diagnosis through EPSDT.
What to Know About ABA Coverage in Alabama
Alabama enacted its autism insurance mandate in 2017. The law caps annual coverage at $36,000 and applies to children through age 18. Self-funded employer plans are exempt under federal ERISA law.
Frequently Asked Questions
Does Alabama require insurance to cover ABA therapy?
Yes. Alabama's Act 2017-317 requires fully-insured commercial plans to cover ABA therapy for individuals with autism through age 18, with an annual cap of $36,000.
Does Alabama Medicaid cover ABA therapy?
Yes. Alabama Medicaid covers ABA therapy for children under 21 with an autism spectrum disorder diagnosis through the Early and Periodic Screening, Diagnostic and Treatment (EPSDT) benefit.
Are self-funded employer plans in Alabama required to cover ABA?
No. Self-funded (ERISA) employer plans are regulated by federal law and are exempt from Alabama's state insurance mandate. However, many large employers voluntarily include ABA coverage.
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Need help navigating ABA insurance?
Our team works with ABA providers across Alabama.