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<title>Cigna ABA Therapy Coverage in New Hampshire: Connor's Law, In-Network Providers, Authorization, and How Achieving Stars Therapy Bills Cigna for In-Home BCBA-Led ABA | Achieving Stars Therapy</title>
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<div class="hero"><div class="hero-inner"><span class="location-badge">Insurance Coverage</span><h1>Does Cigna Cover ABA Therapy in New Hampshire?</h1><p>Yes — Cigna covers ABA therapy in New Hampshire under Connor's Law. Achieving Stars Therapy is in-network with Cigna, runs BCBA-led in-home programs across the state, and verifies your benefits before your first session.</p></div></div>
<div class="quick-info"><div class="info-item"><div class="info-label">Coverage</div><div class="info-value">Connor's Law</div></div><div class="info-item"><div class="info-label">Ages</div><div class="info-value">Birth to 21</div></div><div class="info-item"><div class="info-label">Setting</div><div class="info-value">In-Home</div></div><div class="info-item"><div class="info-label">Start</div><div class="info-value">1-2 Weeks</div></div></div>
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<section><p>Cigna covers ABA therapy for autism in New Hampshire because state law requires it. Connor's Law (HB 569), enacted in 2010, mandates that most private insurance plans in NH cover ABA for children with an autism diagnosis. Achieving Stars Therapy is in-network with Cigna in New Hampshire and runs BCBA-led, in-home ABA programs in <a href="/location/states/aba-therapy-new-hampshire">all 10 cities we serve across NH</a>. We bill Cigna directly. You don't have to chase claims.</p></section>
<section><h2>What does Connor's Law actually cover under Cigna in NH?</h2><p>Connor's Law sets a floor that all NH private insurers, including Cigna, have to meet. The basics:</p><ul><li><strong>Ages birth through 21</strong> with a documented autism spectrum disorder diagnosis.</li><li><strong>Annual cap of $36,000</strong> for kids under 12.</li><li><strong>Annual cap of $27,000</strong> for ages 12-21.</li><li>Medically necessary ABA therapy, supervised by a BCBA.</li></ul><p>Here's the part most NH families miss: federal mental health parity law may make those caps unenforceable. ABA is a behavioral health service, and parity law requires insurers to treat it the same as medical/surgical benefits. That means many Cigna plans actually cover ABA without a hard dollar cap. We check this for every Cigna client during benefits verification.</p></section>
<section><h2>How does Cigna authorize ABA therapy in NH?</h2><p>Cigna requires prior authorization before ABA therapy starts. The process Achieving Stars Therapy runs for NH families:</p><ol><li><strong>Diagnosis on file.</strong> A licensed evaluator must have diagnosed your child with autism. ADOS-2, MIGDAS, or DSM-5 criteria-based reports all work.</li><li><strong>BCBA assessment.</strong> A board-certified analyst comes to your NH home, runs a functional behavior assessment, and writes the treatment plan with hours, goals, and timeline.</li><li><strong>Cigna submission.</strong> Achieving Stars Therapy submits the assessment and plan to Cigna. Authorization usually comes back in 7-14 business days.</li><li><strong>Reauthorization every 6 months.</strong> Cigna requires updated progress data. The BCBA pulls the data automatically and resubmits — you don't have to manage paperwork.</li></ol></section>
<section><h2>What about Cigna deductibles and copays?</h2><p>That depends on your specific Cigna plan. Most NH families on Cigna have a deductible plus a per-session copay or coinsurance. We verify your specific plan benefits before your first session and tell you in dollars what each session will cost. No surprises on the first bill.</p><p>If you also qualify for NH Medicaid (Katie Beckett or standard EPSDT), Medicaid can pay the Cigna copay or even act as primary, depending on the situation. We handle that coordination too.</p></section>
<section><h2>Frequently Asked Questions</h2>
<div class="faq-item"><h3>Is Achieving Stars Therapy in-network with Cigna in New Hampshire?</h3>
<p>Yes. Achieving Stars Therapy is in-network with Cigna and bills Cigna directly for ABA therapy services in NH. Most Cigna PPO and HMO plans work with us.</p></div>
<div class="faq-item"><h3>What if my Cigna plan was bought through an out-of-state employer?</h3><p>Self-funded employer plans (ERISA plans) sometimes don't follow state laws like Connor's Law. We check the plan documents during benefits verification. Many employer Cigna plans still cover ABA voluntarily, and parity law often kicks in either way.</p></div>
<div class="faq-item"><h3>Does Cigna cover in-home ABA therapy or only clinic-based?</h3><p>Cigna covers ABA in the medically necessary setting. For most NH kids, that's in-home — and the BCBA's treatment plan documents why. Achieving Stars Therapy runs 100% in-home programs and Cigna pays for them.</p></div>
<div class="faq-item"><h3>How long does Cigna authorization take?</h3><p>7-14 business days for the initial authorization after we submit the BCBA assessment. Reauthorizations every 6 months are usually faster.</p></div>
<div class="faq-item"><h3>Can my child use Cigna and NH Medicaid together?</h3><p>Yes. Coordination of benefits is common. Cigna usually pays first; NH Medicaid (WellSense or AmeriHealth Caritas) covers what's left. Achieving Stars Therapy handles the coordination so you don't get caught between two billing departments.</p></div>
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<h2>Start ABA Therapy with Cigna in NH</h2>
<p>Free benefits check. We verify your Cigna plan and tell you what each session will cost.</p>
<a href="https://www.achievingstarstherapy.com/contact" class="cta-button">Get Your Free Benefits Check</a>
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<div class="cta-item"><div class="cta-item-label">Call</div><div class="cta-item-value"><a href="tel:8336663115">(833) 666-3115</a></div></div>
<div class="cta-item"><div class="cta-item-label">Email</div><div class="cta-item-value"><a href="mailto:info@achievingstarstherapy.com">info@achievingstarstherapy.com</a></div></div>
<div class="cta-item"><div class="cta-item-label">Setting</div><div class="cta-item-value">In-Home, NH</div></div>
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