Funding

Insurance

We are in-network with most health insurance carriers, including but not limited to those listed below. We also accept out of network.

 

• Aetna

• BCBS

• ChampVA

• Cigna

• DMBA

• EMI

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Insurance authorization can take 2 - 4 weeks before treatment can begin

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Deductibles, Copays, Coinsurance, and Out-of-Pocket Limits

• You may have to meet a deductible, which is the amount you pay for covered health care services before your insurance plan starts to pay.

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  Some insurance plans have a coinsurance, which means you would be responsible for a set percentage of a bill until you reach an out-of-pocket limit, after which insurance would cover 100% of services.

• Some insurance plans feature a copay, which is a set payment per day for services. If you plan on multiple services with WCT your insurance benefits could be per service or per day. Plans differ, but ultimately a family would make copayments until reaching an out-of-pocket limit, after which insurance would cover 100% of services.

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Exclusion of Benefits and Limitations

• If you see the term “exclusion of benefits,” it means the insurance plan does not cover a particular service or diagnosis. Insurance will not authorize or reimburse for any services within the exclusion of benefits.

  • If your plan doesn’t cover ABA services, you may be able to work with your employer and/or insurance provider to add services.

• Some plans have limitations on age ranges, hours/year, or visits/year. Our billing department can help you determine if your insurance plan has any limitations so you can plan accordingly.

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Grants & Scholarships

We understand that treatment can be expensive. There are options to make therapy affordable. The following is a list of available grants and scholarships where each family can apply to help pay for services. 
WCT does not monitor or administer the grants/ scholarships, if you have questions please contact the organization listed directly.
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United Health Care Children's Foundation - https://www.uhccf.org/
The mission of United Health Care Children’s Foundation is to provide medical grants to enhance the quality of life of children across the United States. UHCCF is happy to consider children aged 3-6 for a one-time grant to help cover the cost of ABA therapy. We are unable to approve grant funding for ABA therapy for children younger than 3 or older than 6. We’re also unable to provide more than one ABA therapy grant per child.

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Oracle Health Foundation - https://www.oraclehealthfoundation.org/ 
​Oracle Health Foundation provides pediatric grants that cover a wide variety of clinical, equipment, travel and lodging, and vehicle modification costs related to children’s healthcare needs. Clinical coverage may include clinical procedures, medicine, therapy, evaluations, service dogs, etc.

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Children First Education Fund - https://cfe-fund.org/parent/
Scholarships are available for children in preschool, kindergarten and grades 1-12, and may be used for private school tuition, books, supplies, and education related therapies or treatments. Scholarships are generally awarded for a term of three years and may be renewed in 3-year increments. Scholarships are awarded based on family size and income.

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Autism Care Today Grants - https://www.act-today.org/our-funds/autism-care-today/ 
​Autism Care Today provides funding assistance to families throughout the United States on a quarterly basis. These grants are designed to provide access to individuals and families affected by Autism Spectrum Disorders. Areas of support include but are not limited to: Applied Behavior Analysis Therapy, speech and occupational therapy, social skills groups and many more.

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Orange Effect Foundation - https://theorangeeffect.org/grant-application/
The Orange Effect Foundation is a funder of last resort. This means all insurance must be exhausted before we can begin implementing a grant. The Orange Effect Foundation is a 501(c)3 foundation that empowers children and young adults with speech disorders to effectively communicate through technology and speech therapy.

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Joshua Harr Shane Foundation - https://www.joshuaharrshane.org/
​At the Joshua Harr Shane Foundation, our mission is rooted in providing care, support, assistance and love to those in need. Our unique approach sets us apart from other non-profits. We go directly to the people who need help, providing aid that is tailored to their specific circumstances. We never give cash, but pay bills directly to ensure that their needs are met and that they receive the help that they deserve.

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​​​Modest Needs Foundation - https://www.modestneeds.org/for-applicants/ 
Modest Needs' Self-Sufficiency Grant was created for individuals and families who, because they are working and live just above the poverty level, are ineligible for most types of conventional social assistance but who, all the same, are living one or two lost paychecks away from the kind of financial catastrophe that eventually leads to homelessness. Generally, Modest Needs offers Self-Sufficiency Grants to qualified individuals / households who need help to afford two specific types of expenses:
      1. Unexpected or emergency expenses that an individual or family living paycheck-to-paycheck could not possibly afford without a short-term hand-up.
      2. Monthly bills that an individual or family living paycheck-to-paycheck cannot afford to pay at the time of their application because of a documentable extenuating circumstance that occurred within the past year.