In most cases, yes. Colorado law requires state-regulated health plans to cover ABA therapy for autism with no age limit and no dollar cap, as of January 2017. Aetna covers ABA therapy when medically necessary, usually with prior authorization. Confirm your specific plan with a Verification of Benefits before starting.
Colorado's original autism insurance mandate (SB 09-244, 2010) required commercial health plans to cover ASD diagnosis and treatment, including ABA, for individuals under 19. A follow-up law (SB 15-015) removed those age and dollar caps effective January 1, 2017 — the mandate now applies at any age, with no cap. Fully-insured individual and small-group plans are regulated by Colorado law. Many large-employer plans are self-funded and governed by federal ERISA instead. Colorado Medicaid (Health First Colorado) separately covers ABA therapy for children and teens up to age 21. Aetna covers ABA therapy for autism spectrum disorder when the plan includes the benefit and treatment is medically necessary.
Most Aetna plans require prior authorization before ABA services begin:
A formal autism spectrum disorder diagnosis from a licensed psychologist or developmental pediatrician is required.
Aetna typically requires a comprehensive treatment plan with measurable goals, assessment results, weekly therapy hours, and the BCBA's credentials.
The process commonly takes 14–30 business days.
Call the member services number on your Aetna card and request a Verification of Benefits. Confirm: ABA coverage, prior authorization requirements, deductible, copay, out-of-pocket maximum.
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This content is for informational purposes only and does not constitute medical, clinical, or therapeutic advice. Consult a licensed healthcare provider or Board Certified Behavior Analyst (BCBA) before making therapy decisions for your child.
Data current as of July 2026. Coverage terms and provider availability change frequently — verify directly with your insurance carrier and the provider before scheduling.