Insurance FAQ

Primary insurance is the insurance policy that a healthcare provider must bill first. If you have multiple insurance policies, you do not get to choose which one is primary. The primary insurance is determined based on specific rules, depending on your child’s insurance coverage.

A deductible is an annual amount that you have to pay toward medical expenses before coverage kicks in for all of your medical benefits. Depending on your insurance plan, some benefits may kick in before the deductible is met.

An out-of-pocket maximum is the most you can be expected to pay toward your healthcare expenses in any given year before your insurance pays for everything else at 100%.

A copay is a set amount that you are expected to pay, at the time of service, for particular services until your out-of-pocket maximum has been reached.

Coinsurance is the same principle as a copay, only instead of a fixed dollar amount, you pay a percentage of the overall charge for the services.

In-network providers are healthcare providers who have established contracts with your insurance company. These contracts outline the responsibilities of both the provider and the insurance company and pre-negotiate rates for services provided. Prior to being accepted as an in-network provider, the insurance company conducts a thorough vetting and credentialing process to ensure that the provider meets their standards.

Out-of-network providers are healthcare providers who do not have established contracts with your insurance company. This means that services provided by out-of-network providers may not be covered by your insurance or may be covered at a lower rate than in-network providers.

At Yellow Bus ABA, we are committed to providing high-quality ABA therapy to children with autism and their families. While we work hard to maintain in-network status with as many insurance companies as possible, we understand that some families may need to access out-of-network providers. Our team is available to help you navigate the insurance process and understand your options for accessing the care your child needs.

There are various reasons why a provider may not be included in an insurance company’s network, such as the insurance company not accepting new providers, the provider declining to accept certain terms in the contract, the provider opting to leave the network due to issues with processes, payments, or support, or the insurance provider deciding to terminate the contract with the provider.

While in-network providers may be the most cost-effective option for healthcare services, there are instances where accessing an out-of-network provider may be necessary. Out-of-network providers may offer specialized services or have unique expertise that cannot be found within the in-network provider network. Additionally, out-of-network providers may be a better fit for a family’s individual needs, preferences, or schedule. It’s important to understand the costs associated with accessing an out-of-network provider, but in some cases, the benefits may outweigh the additional expenses. Ultimately, families should carefully consider their options and work with their insurance company and healthcare provider to make the best decision for their individual situation.

‍It’s important to note that there may be instances where accessing an out-of-network provider may actually be cheaper than an in-network provider.

A Single Case Agreement (SCA) is a contract between an insurance company and an out-of-network healthcare provider for a specific patient. SCAs are typically used when a patient’s needs cannot be met by an in-network provider or when there are no in-network providers available within a reasonable distance. The agreement outlines the terms and conditions of the care to be provided and the payment for services. The insurance company may agree to cover the costs of care from the out-of-network provider for the duration of the agreement. SCAs can be a helpful option for families who are struggling to find appropriate care within their insurance network, but it’s important to note that they are not always guaranteed and are subject to negotiation between the provider and the insurance company. Families should work closely with their healthcare provider and insurance company to explore all available options for care.

It’s important to note that healthcare providers are unable to simply accept an insurance policy for coverage of ABA therapy. In order for a provider to be In-Network, there must be an agreement in place between the provider and the insurance company. It is not uncommon for certain providers to not be contracted by specific insurance companies, and the process of establishing an In-Network agreement can be lengthy, taking up to two years to complete. While a provider may be willing to attempt to go In-Network to work with you, they may not be able to do so immediately or at all. It is important to explore all available options and work with your healthcare provider and insurance company to find a solution that meets your individual needs.

If a family finds themselves in a situation where no healthcare providers in their area accept their insurance, it can be a challenging and frustrating experience. In this scenario, it’s important to explore all available options and resources. Families should reach out to their insurance company to see if there are any exceptions or provisions that may allow them to receive coverage using a SCA (single case agreement). It may also be helpful to work with a case manager or advocacy group to explore additional options for coverage, such as applying for Medicaid or other government programs. Additionally, families should consider reaching out to ABA providers and advocacy groups to ask for recommendations and advice on how to navigate the situation. While it may require some extra effort and creativity, there are often options available for families to receive the care that they need.

Yellow Bus ABA is the clear choice for families seeking high-quality, cost-effective care for their loved ones. With a team of multi-specialty ABA experts and numerous centers across the the Tristate area region, we are well-equipped to provide the highest level of care to our clients. We are committed to evidence-based practices and ongoing training and development for our staff, ensuring that we always provide the most effective and up-to-date treatments. Additionally, our commitment to cost-effectiveness means that we work closely with families and insurance companies to provide affordable care that meets their needs. Choosing Yellow Bus ABA means choosing a trusted partner who is dedicated to the well-being of our clients and their families.

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