In most cases, yes. New Jersey's autism insurance law (P.L. 2009, c.256) requires state-regulated health plans to cover ABA therapy for autism with no dollar cap and no age limit. Humana covers ABA therapy when medically necessary. Confirm your specific plan with a Verification of Benefits before starting.
New Jersey's autism insurance mandate (P.L. 2009, c.256) requires state-regulated health insurance policies to cover the diagnosis and treatment of autism spectrum disorder, including ABA therapy, with no annual dollar cap and no age limit. Self-funded employer plans governed by federal ERISA are generally exempt from this state mandate. Humana covers ABA therapy for autism spectrum disorder when the plan includes the benefit and treatment is medically necessary.
Most Humana plans in New Jersey require prior authorization before ABA services begin:
A formal ASD diagnosis from a licensed psychologist or developmental pediatrician is required before submitting a treatment plan.
Humana typically requires a treatment plan with measurable goals, assessment results, weekly therapy hours, and the BCBA's credentials before authorizing ABA services.
Authorizations are typically reviewed periodically. Call the member services number on your Humana card to confirm your plan's specific authorization process.
Call the member services number on your Humana card and request a Verification of Benefits. Confirm: ABA coverage, prior authorization requirements, deductible, copay, and 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 August 2026. Coverage terms and provider availability change frequently — verify directly with your insurance carrier and the provider before scheduling.