Your Cigna benefits, checked and explained before day one.
We are out of network with Cigna, and many Cigna plans include out-of-network benefits that help pay for ABA. Every family starts the same way here: a free verification of your exact benefits, so you know what your plan pays before ABA begins.
Does Cigna cover ABA therapy in Maryland?
Many plans do, and we confirm yours for free
Maryland law requires health plans regulated by the state to cover habilitative services for children, and for a child with an autism diagnosis that includes ABA therapy. Whether a particular provider sits inside your plan's network is a separate question, and here is our honest answer: Terrapin ABA is out of network with Cigna.
That matters less than many families expect. Many Cigna plans include out-of-network benefits that help pay for ABA after a separate deductible, often as a percentage of allowed charges. Self-funded employer plans write their own rules under federal law, and limits differ from one employer to the next, so the card in your wallet does not tell the whole story either way.
We close that gap with a free verification of benefits. We contact Cigna, confirm what your specific plan pays out of network, and explain it to you in plain English before anything begins. We also prepare and submit the claims paperwork, so you are never the go-between. See how coverage works across all plans on our insurance page.
Four steps, all carried by our team.
Verify your Cigna benefits
We start with a free verification of benefits. We reach Cigna, confirm your out-of-network ABA coverage, deductible, and cost shares, and give you the answers in plain English before you decide anything.
Secure the authorization
ABA often needs approval from your plan before sessions start, even out of network. We collect the diagnosis documentation, request authorization where your plan requires it, and keep you updated while it moves.
Handle the claims
Once care starts, we prepare and submit the claims paperwork to Cigna for you. The codes on your paperwork are simple: 97151 is the assessment, 97153 is your child's one-on-one sessions, 97155 is the BCBA adjusting the plan, and 97156 is caregiver training.
Renew every six months
ABA authorizations run in six-month cycles. We watch the calendar, gather the progress data, and file each renewal so you never have to chase a deadline.
What Cigna families ask us.
The fastest way to a straight answer is to ask us.
Share your Cigna member details and we will verify your benefits for free, explain what we find, and map out the next steps. Nothing starts until you say so.