What this costs, and how paying works
Money is the first question most families have and the last thing most providers explain. Here’s everything, plainly. And if anything on this page raises a question, ask us directly on our first call; the money conversation belongs at the start, not after you’re invested.
Insurance or private pay: here’s how it works
Oak & Arrow is in-network with Cigna, Aetna, Blue Cross Blue Shield, UnitedHealthcare, and HUSKY (Medicaid). For other plans, you pay for sessions directly, and in exchange the process gets radically simpler: no insurance authorization, no required diagnosis paperwork before starting, no approval process deciding how many hours your child gets. The plan is built on what the assessment says your child needs, and we can start when your family is ready.
Private-pay rates and personalized monthly cost estimates are provided during your initial consultation.
Payment is due at the time of service. HSA and FSA funds can typically be used for ABA services; check with your plan administrator. Before we begin, you’ll receive a written estimate of costs, so nothing on a bill will ever be a surprise.
At a glance
- In-network with Cigna, Aetna, BCBS, UnitedHealthcare, and HUSKY
- Private pay for other plans, billed directly
- No authorization queue with private pay
- No diagnosis required with private pay
- Monthly superbill for possible reimbursement
- HSA and FSA typically eligible
- Written cost estimate before you begin
Superbills: possible money back, never promised
Each month we provide a superbill: an itemized receipt listing services, dates, and the billing codes insurers recognize. If your insurance plan includes out-of-network benefits, you can submit it for possible partial reimbursement.
Now the honest part. Whether you get anything back depends entirely on your plan: some reimburse a meaningful share after a deductible, some reimburse nothing. Reimbursement goes to you, not to us, and we can’t promise what your plan will do. The way to know is to call the number on your insurance card and ask two questions: do I have out-of-network benefits for outpatient behavioral health, and what’s my out-of-network deductible. Ten minutes on hold beats months of guessing, and we’ll happily tell you what to ask.
About insurance, including HUSKY
Does insurance cover ABA in Connecticut? Broadly yes: state law requires most plans to cover ABA for children with an autism diagnosis, and HUSKY covers it too. The catch isn’t coverage, it’s access: coverage requires a formal diagnosis, prior authorization, and an in-network provider with an opening, and that pipeline is where Connecticut’s long waits live.
Does Oak & Arrow take insurance? Yes. We’re in-network with Cigna, Aetna, Blue Cross Blue Shield, UnitedHealthcare, and HUSKY (Medicaid). If your plan isn’t on the list, Oak & Arrow works as private pay, with the superbill route above and total transparency about costs so you can decide with real numbers.
The trade, plainly
If we’re not in-network with your plan, private pay costs more out of pocket than an in-network copay. What it buys is time and control: starting in weeks instead of months, hours set by clinical judgment instead of an authorization, and a plan that answers to your child’s assessment rather than a reviewer’s checklist. For some families that trade is right, for others it isn’t, and we’ll never pretend the money part is small. Our job is making sure you know exactly what you’re choosing between.
Questions Parents Ask
Yes. We can arrange sessions to see siblings separately or together, depending on the skills each child is working on. For something like turn-taking, that might mean all of us playing a game together.
Yes, and this is a real advantage of the model. Insurance-funded programs often default to heavy weekly hours. Our recommendations come from the assessment, and for many kids a few focused hours a week, with you carrying strategies in between, does the work. Children and families come before billable hours here. If your child genuinely needs more than we can provide, we’ll tell you that too.
No. We bill you, you pay us, and the superbill is your receipt to submit. Your insurer’s decision affects what comes back to you; it never creates a surprise balance owed to us.
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Tell me a little about what’s going on. You’ll hear back from me, not an intake department, within 24 business hours.
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