Program guides for your state.
Plain-language cards for insurance mandates, early intervention, Medicaid waivers, IDEA, and SSI — written for parents, not lawyers.
TX
Free Therapy Before Age 3 (ECI — Early Childhood Intervention)
Free or low-cost speech, OT, and developmental therapy at home — no diagnosis needed, and you can call to refer your child yourself.
Texas Law That Makes Insurance Cover Autism Therapy
Texas requires most state-regulated plans to cover ABA and related therapy. See if your plan qualifies — and what to say if they deny it.
Texas Waiver Programs — Get on the Lists Now (CLASS, HCS, MDCP, TxHmL)
Long-term help with care, respite, and services. Waitlists run 10+ years — which is exactly why you sign up today, even with private insurance.
FL
Free Therapy Before Age 3 (Early Steps)
Florida's early intervention program: free evaluation and in-home therapy support — no diagnosis required, parents can self-refer.
Florida's Long-Term Support Waiver (APD iBudget)
A monthly budget for services, respite, and support through the Agency for Persons with Disabilities. The waitlist is long — apply early.
Florida Law That Makes Insurance Cover Autism Therapy (Geller Act)
Florida requires eligible plans to cover autism screening and treatment, including ABA. Check if your plan is covered and what the limits are.
NJ
New Jersey Law That Makes Insurance Cover Autism Therapy
NJ requires most state-regulated plans to cover autism therapies. What's covered, which plans must comply, and how to push back on a denial.
Adult Services Start Here (DDD — Division of Developmental Disabilities)
For ages 21+, DDD is the door to housing, day programs, and support budgets. Applying takes months — start before your child turns 21.
One Phone Number for NJ Kids' Services (PerformCare)
The single entry point for autism services for NJ kids under 21 — one call opens behavioral supports, respite, and more. Save this number.
Federal programs
Your Right to Appeal an Insurance Denial (Federal Rules)
Every denial can be appealed — internal review first, then an outside reviewer. Deadlines, steps, and which federal law backs you up.
Your Child's Rights at School (IEP & the IDEA Law)
Free evaluations, an individualized plan, and services the school must provide. What to ask for and what to do when the school says no.
Monthly Payments for Children with Disabilities (SSI)
A federal monthly payment for eligible kids — and in most states it unlocks Medicaid too. Who qualifies and how to start an application.
Savings Without Losing SSI (ABLE Accounts)
Normally, savings over $2,000 can cut off SSI. An ABLE account lets your child keep benefits while saving much more — for housing, education, or anything disability-related.
Free Job Help for Adults with Autism (Vocational Rehabilitation)
Every state runs a free VR program: job coaching, training, workplace supports. No diagnosis paperwork marathon — you can apply directly. School can refer teens as early as 14.