In most cases, yes. New Jersey's autism insurance law requires state-regulated plans to cover ABA therapy for members under 21, with no dollar cap since 2010. Aetna covers ABA therapy when medically necessary, usually with prior authorization. Confirm your specific plan with a Verification of Benefits before starting.
New Jersey's autism insurance law (P.L. 2006, c. 115, effective February 2010) requires state-regulated fully-insured health plans to cover screening and diagnostic testing for autism, medically necessary ABA, and medically necessary physical, occupational, and speech therapy, for individuals with autism under age 21. A 2010 bulletin removed the original $36,000 annual cap on ABA coverage. Treatment must be prescribed through a formal treatment plan. The mandate applies to fully-insured NJ plans. Self-funded employer plans are typically regulated by federal law instead, though many cover ABA voluntarily. Note: this page covers commercial Aetna plans. Aetna Better Health of New Jersey is a separate Medicaid managed care plan with its own network and process — see the dedicated Aetna Better Health NJ page if that's your plan. 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 submitted with the ABA authorization form — 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.