In most cases, yes. New Jersey's autism insurance mandate (P.L. 2009, c.256) requires health plans to cover ABA therapy for autism with no dollar cap and no age limit. Cigna 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 mandate (P.L. 2009, c.256, enacted 2009) requires health insurance carriers to provide coverage for the treatment of autism spectrum disorder, including ABA therapy. The law applies to fully-insured individual and group health plans issued or renewed in New Jersey. There is no annual dollar cap and no age limit under the NJ mandate — one of the strongest autism insurance laws in the country. Self-funded employer plans governed by federal ERISA are generally exempt from state mandates, though many cover ABA voluntarily. Cigna covers ABA therapy for autism spectrum disorder when the plan includes the benefit and treatment is medically necessary. Cigna's Autism Care Coordinator team (877.279.7603) can assist families through the authorization process.
Cigna's process for ABA authorization in New Jersey:
A formal autism spectrum disorder diagnosis from a licensed psychologist, developmental pediatrician, or neurologist is required before submitting a treatment plan.
Prior authorization is not required for the initial ABA assessment (CPT 97151, 97152, or 0362T) if performed by an independently licensed clinician or BCBA, and the policy covers ABA.
After the assessment, the provider submits an ABA Prior Authorization Form — recommended up to 30 days before, or within 2 weeks after, the planned start date. All ABA services are billed under CPT codes 97151-97158.
New Jersey's largest ABA therapy markets include the Newark/Jersey City metro, the Trenton/Princeton corridor, the Cherry Hill/Camden area, and the Monmouth County shore communities. Harmony Care Finder can match you with Cigna-accepting ABA providers across all of these regions.
Call the member services number on your Cigna card and request a Verification of Benefits. Confirm: ABA coverage, prior authorization requirements, deductible, copay, out-of-pocket maximum. Note that NJ's mandate has no dollar cap or age limit, but confirm your specific plan type (fully-insured vs. self-funded ERISA).
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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 August 2026. Coverage terms and provider availability change frequently — verify directly with your insurance carrier and the provider before scheduling.