Hard lesson: do not confuse what insurance prefers with what your child needs.
What we saw on the inside
Coordinators pushed high hours because that is what is reimbursed. They offered to call our pediatrician to ask for a prescription for additional hours. ABA technicians rotated in and out, and our kids were expected to generalize across strangers rather than build safe relationships. Goals were chosen to be measurable and billable, not meaningful. We were discouraged from pausing or reducing services, and referrals to OT or speech were framed as things ABA could cover anyway. The message was subtle but clear, keep the hours, keep the data, keep the billing.
Another Hard lesson: ABA does not have the expertise/training/in-depth knowledge to replace what OT or speech does. With proper collaboration and training by such therapists, they might be able to follow a therapy plan but they do not replace the OT or speech pathologist.
Why the system steers you there
ABA is set up to be easy to authorize at scale. OT and speech, which would have fit our kids better, were rationed, limited to an hour here or there, waitlisted, or denied without endless paperwork. Our insurer could approve a full-time ABA schedule in a day, but balked at two weekly sessions of OT and ST. Follow the money. High-volume programs thrive on billable units, and families are told that more is better even when the child is drowning.
What finally helped
We stepped away. A sensory-informed OT reframed our kids’ “behaviors” as communication and taught regulation. A speech therapist centered autonomy, AAC, and play. Fewer hours, more family coaching, better sleep, real connection. Insurance made it hard, but it was worth every appeal letter.
Before you commit to any therapy, ask:
- What is the plan to fade hours and discharge, with specific criteria?
- Who chooses goals, and how will my child’s consent and comfort guide them?
- How will you coordinate with independent OT and speech, not replace them?
- How do you measure wellbeing beyond compliance and reduction of behaviors?
- What happens when my child refuses, and how is autonomy respected?
If you are on the fence, get a second opinion, ask for a multidisciplinary evaluation, and trust your gut. Therapy should build regulation, communication, and dignity. If the primary argument is that it is covered, not that it fits your child, keep looking.



