We might have to stop ABA

Our new insurance has a 7,500 deductible for my child.

Until we hit that, we have to pay 100% of ABA which is 708 a week at a reduced self pay rate.

I am going to give Medicaid one more try with my BCBA’s help who has offered to advocate for us (and has 20 years of experience in the autism world so very familiar with all of this). We have been denied Medicaid multiple times due to our “assets” - our freaking cars!

We cannot afford 708 a week. We have decided we can do self pay, on a credit card, for a week or two but that’s all we can afford - we can’t afford to rack up thousands of dollars of credit card debt.

I am so stressed and devastated.

It doesn’t help that the owners were pretty stern with me about forgetting to tell them my husbands work randomly decided to switch insurance this year, which has me feeling guilty and like a child that got scolded. I already feel horribly guilty for it slipping my mind and apologized probably 15 times during the conversation but they kept drilling over it. I understand it’s frustrating I forgot, but I am a human and mistakes happened and I openly offered to fully pay for the three weeks that we went uninsured. (Which I did the same day, again, on a credit card)

I am just a hot mess right now. If anyone has advice I’m all ears. My child has made so much progress in ABA and I would hate to have to stop but we really might have to.