ABA therapy cost in Charlotte with and without insurance
ABA is billed in 15-minute units, so your bill depends on the hours a week your child is approved for. In North Carolina, Medicaid pays $20.81 for each 15 minutes of technician-delivered ABA.
What would you pay each month?
- $83.24an hour, North Carolina Medicaid rate
- $120 to $150an hour if you pay yourself
- 165ABA providers in Charlotte
At 40 hours a week, North Carolina Medicaid's technician rate comes to $3,329.60 of billed ABA, the highest of the 6 states on this list. Source: NC Department of Health and Human Services, Division of Health Benefits fee schedule (2026).
Ready to call? See all 165 ABA therapy providers in Charlotte and ask each one for its hourly rate and whether it takes your plan.
ABA therapy cost at 10, 20 and 40 hours a week
| Hours a week | Medicaid pays a month | Paying yourself a month |
|---|---|---|
| 10 hours | $3,607 | $5,200 to $6,500 |
| 20 hours | $7,214 | $10,400 to $13,000 |
| 40 hours | $14,428 | $20,800 to $26,000 |
A month here is 52 weeks divided by 12, about 4.3 weeks. The Medicaid column is what North Carolina Medicaid pays the provider at the 2026 rate for code 97153 Source: NC Department of Health and Human Services, Division of Health Benefits. Hours led by the analyst (97155) pay $32.22 per 15 minutes.
Without insurance, ABA therapy often costs about $120 to $150 an hour, according to the ABA provider Behavioral Innovations. Source: Behavioral Innovations.
With Medicaid
North Carolina Medicaid covers ABA for children who qualify, and families usually pay nothing for the approved hours. North Carolina Medicaid and ABA therapy
With private insurance
You pay toward your deductible first, then your coinsurance or copay on every session, until you hit your out-of-pocket maximum. At 20 hours or more a week, many families reach that maximum within a few months.