Senate Bill 676, also known as the North Carolina autism insurance mandate, ensures that many families can access essential autism treatments through their health plans. This law requires state-regulated private health plans to cover the diagnosis and treatment of autism spectrum disorder, including Applied Behavior Analysis (ABA) therapy.

Key details of the mandate include:

• Age Limits: Coverage is required for children with an autism spectrum disorder diagnosis up to age 18 or high school graduation.
• Benefit Caps: The mandate allows for annual benefit caps (often ranging from $36,000 to $50,000 depending on specific plan guidelines).
• Employer Requirements: The mandate typically applies to private group health plans with 15 or more employees. However, self-funded ERISA plans are not mandated to comply.
• Mental Health Parity: Under federal and state mental health parity laws, North Carolina insurers must provide ABA benefits that are comparable to other medical or surgical services, ensuring benefits are not subject to stricter limitations.

We provide white-glove service to help you navigate these regulations. Our team handles insurance verification, often confirming benefits within 24–48 hours, so you can begin personalized, high-quality ABA therapy through our BCBA-led teams. Whether you need home-based, school-based, or telehealth ABA services, we assist you in maximizing your benefits to build momentum and confidence for your child.

Insurance coverage varies by plan — verify benefits with your insurer before starting services. Consult your licensed BCBA or healthcare professional for individualized assessment and recommendations.

• North Carolina Autism Insurance Mandate: Complete Guide for Families