Comparing ABA Coverage at Renewal
Ask each carrier the same autism and ABA questions in writing and compare the answers next to price.
How to compare
Use one question list
Ask each carrier to explain coverage, age rules, authorization steps and provider access in writing.
Compare side by side
Lay the answers next to premium so benefit design weighs beside price.
Include funding options
Compare fully insured with level-funded or self-funded options, since the mandate applies only to insured plans.
Keep the record
Save the written answers with the plan file.
Back to the ABA guide.
Comparing ABA Coverage at Renewal: short answers
When should we ask?
Before the renewal decision, so answers can inform the choice.
What should we ask for?
The autism provision, authorization requirements, provider counts and how out-of-network care is handled.
Can you do this for us?
Yes. Send us your renewal and we will set the answers side by side.
Comparing ABA Coverage at Renewal: not legal advice. Send us your renewal.
Where these details come from
The laws and rules named on this page link to the official text. This is general information, not legal advice, and rules change, so check the current text.
MCL 500.3406s, Insurance Code of 1956
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program: cost, plan performance, risk and administration.
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