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Less than 4 min read · Clinically reviewed by the Get Set ABA team, including a BCBA
How Much Is ABA Therapy Without Insurance?
Many parents start looking into this late at night.
Maybe your plan doesn’t cover ABA. Maybe your insurance turned down a request. Or maybe you’re between jobs and don’t want your child’s progress to stall.
Then the numbers start piling up. Hourly rates. Assessment fees. Weekly hours. None of it seems to add up to a clear answer.
Most parents are asking a simpler question:
“Can we still get our child the help they need?”
Often, there’s a path forward. It just takes a little planning.
In this guide, we’ll cover:
- Why ABA costs vary from family to family
- Rough estimates for paying out of pocket
- What private pay ABA therapy looks like
- Options to check before you pay in full
- How our team can help
Why Does ABA Therapy Cost Vary So Much?
There’s no single price for ABA.
Your total depends on your child’s plan. After an evaluation, your BCBA recommends a number of therapy hours. Some children need a few hours a week. Others need many more.
A few other things shape the cost, too:
- Who leads the session, such as an RBT or a BCBA
- Where your family lives
- Whether assessments and parent training are billed separately
That’s why two families can get very different quotes for the same service.
How Much Does ABA Therapy Cost Without Insurance?
Here’s a general picture. These are broad estimates, not Get Set ABA’s rates. Every provider prices differently.
ABA Therapy Cost Per Hour
ABA therapy cost per hour is often estimated at roughly $60 to $150. The figure depends on the provider and who runs the session.
Rough Monthly Estimates
- Around 10 hours a week: about $2,500 to $6,500 a month
- Around 20 hours a week: about $5,000 to $13,000 a month
- 30 hours or more a week: often $8,000 and up
Use these numbers as a starting point for budgeting. Your child’s plan and your area will shape the final figure.
What Does Private Pay ABA Therapy Look Like?
With private pay ABA therapy, you pay the provider directly instead of billing insurance.
Some families choose self-pay ABA therapy while they wait for coverage to start. Others use it when their plan limits therapy hours.
Before you agree to anything, ask a few questions:
☐ What’s the hourly rate for RBT time and BCBA time?
☐ Is the first assessment billed separately?
☐ Is parent training included?
☐ Do you offer an ABA therapy sliding scale or a payment plan?
☐ How often will I receive a bill?
📸 Screenshot This for Later: Keep this checklist on your phone. Use it each time you compare quotes.
Options to Check Before You Pay Out of Pocket
How much is ABA therapy out of pocket for your family? It can be less than you expect once you look at every option.
Maryland Medicaid
Your child may qualify, depending on your family’s situation. Some families use it as a second layer of coverage alongside a work plan.
HSA or FSA Funds
These accounts may help cover therapy costs. Check with your plan administrator.
A Second Look at Your Plan
One denial isn’t always the final word. Coverage can sometimes open up once the right documents are submitted.
At Get Set ABA, we accept most insurance plans, including Medicaid. Our team contacts your insurance company and gets your documents in order. See what to expect from your first call.
How Get Set ABA Can Help
A lot of parents call us after hearing “not covered” once. They assume that’s the end of it.
Sometimes the plan does include ABA, and the first request just needed different paperwork. We can’t promise what your plan will cover. A quick coverage check, though, gives you a clearer picture before you pay the full ABA therapy cost without insurance.
However you pay, your child gets the same support:
- ABA therapy at home during daily routines
- School-based ABA therapy with your child’s teachers
- Parent and teacher training to keep progress going between sessions
Want to see what that progress can look like? Read our family stories.
Commonly Asked Questions About ABA Therapy Costs
1. How much is ABA therapy without insurance?
Rough estimates often fall between $60 and $150 per hour. Your total depends on weekly hours and the provider.
2. Is private pay ABA therapy worth considering?
It depends on your family’s needs and budget. Many families use it while they wait for coverage.
3. Does Get Set ABA offer a sliding scale?
Call our team to talk through payment options for your family.
4. Can I switch from self-pay to insurance later?
Often, yes. We can check your coverage at any point.
5. How do I find out what I’d pay?
Reach out to us. We’ll check your coverage and walk you through your options.
Have more questions? Visit our FAQ or browse the Get Set ABA blog.
Let’s Find Out What You’d Pay
You shouldn’t have to guess about something this important. Our team will check your coverage first, then explain your options in plain language.
Call us at 877-643-8738, email info@getsetaba.com, or fill out our contact form, and we’ll call you back.
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