Insurance Guide · Florida (FL)
ABA Therapy Insurance in Florida
Annual Cap
$36,000 per year ($200,000 lifetime)
Age Limit
Through age 18
Plan Types
Individual and group fully-insured plans
Florida Mandate Details
Mandate Law
S. 627.6686 (2008)
Year Enacted
2008
Medicaid Coverage in Florida
Florida Medicaid covers ABA therapy for children under 21 with an autism diagnosis through EPSDT.
What to Know About ABA Coverage in Florida
Florida's mandate includes both an annual cap of $36,000 and a $200,000 lifetime cap. Coverage applies through age 18. Florida was one of the earlier states to pass an autism insurance mandate.
Frequently Asked Questions
What is Florida's annual cap for ABA insurance coverage?
Florida caps ABA insurance coverage at $36,000 per year with a $200,000 lifetime maximum. Coverage applies through age 18 for individuals with autism on fully-insured plans.
Does Florida Medicaid cover ABA therapy?
Yes. Florida Medicaid covers ABA therapy for children under 21 through EPSDT. The state's Medicaid managed care plans coordinate ABA provider networks and prior authorizations.
Can families in Florida exceed the $36,000 annual cap?
Once the $36,000 annual cap is reached, families must pay out-of-pocket or seek coverage through other programs. Florida Medicaid (for eligible families) and state-funded programs like the CDC+ waiver may help bridge the gap.
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Need help navigating ABA insurance?
Our team works with ABA providers across Florida.