Does Cigna Insurance Cover Aba Therapy in Utah?
Yes, Cigna insurance covers ABA therapy in Utah. Under Utah’s autism insurance mandate, plans like Cigna are required to cover Applied Behavior Analysis (ABA) therapy for eligible children and young adults with an autism diagnosis up to age 21. This state-regulated coverage applies to fully insured plans and focuses on evidence-based practices.
Key details regarding Cigna’s coverage in Utah include:
- Scope of Services: Coverage includes behavioral assessments and individualized treatment plans supervised by Board Certified Behavior Analysts (BCBAs) and implemented by Registered Behavior Technicians (RBTs).
- Session Limits: In major areas like Salt Lake City, Utah County, and Weber County, Cigna typically allows for up to 40 hours of therapy per week.
- Costs: While specific out-of-pocket costs depend on the individual policy, co-pays often range from $20 to $50 per session. Deductibles will also influence the final cost.
- Requirements: To initiate services, families must provide a formal autism diagnosis from a licensed physician and demonstrate medical necessity.
It is important to note that while Utah mandates coverage, individual policy details can vary, especially for self-funded employer plans. Insurance coverage is always subject to verification and is not guaranteed.
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