---
title: "Aetna ABA coverage in New Jersey: the intake guide."
url: "https://carelu.com/payers/aetna-new-jersey"
markdown_url: "https://carelu.com/payers/aetna-new-jersey.md"
state: NJ (New Jersey)
payer: Aetna in New Jersey
kind: Commercial insurance
description: "How Aetna covers ABA for New Jersey families — the national clinical policy, prior authorization, the P.L. 2009, c.115 mandate (ages, the parity-voided $36k cap, exemptions), New Jersey behavior-analyst licensure, and what intake should verify."
last_reviewed: October 2026
vob_data_updated: 2026-10-15
---

# Aetna ABA coverage in New Jersey: the intake guide.

_Payer Guide · Aetna · New Jersey · Last updated October 2026 · 16 primary sources_

> CPB 0554 (ABA) + CPB 0648 (ASD) + the P.L. 2009, c.115 mandate layer.

For an intake team in New Jersey, an Aetna card means three layers at once: the carrier's national clinical policy, New Jersey's autism insurance mandate (P.L. 2009, c.115), and the plan's funding type deciding which of the two actually binds. This guide stacks them in order.

## Prior authorization and diagnosis at a glance

- **Prior auth for the assessment**: Required — precertification (form GR-69017-4), per Aetna's behavioral health precertification list (eff. 8/1/2024) — CPB 0554 itself sets no precertification rule [1]
- **Prior auth for treatment**: Required — precertification; reauthorization commonly ~6 months (verify per plan) [1][7]
- **Autism diagnosis required?**: Yes — ASD only (F84.0–F84.9); ABA for other diagnoses considered experimental [2]

## At a glance

- **Covers ABA?:** Yes — for ASD, per the national Aetna policy
- **State mandate:** P.L. 2009, c.115 (N.J.S.A. 17:48-6ii and parallel sections)
- **Mandate age:** Under 21 in statute; IHC/SEH markets extended to adults 21+ (Jan 2015)
- **Mandate caps:** $36,000/yr in statute — voided for MHPAEA group plans (DOBI Bulletin 10-02)
- **Exempt from mandate:** Self-funded ERISA plans (may exclude ABA entirely)
- **Licensure:** NJ Licensed Applied Behavior Analyst (Consumer Affairs board)
- **Fee schedule:** Not public — Aetna pays the contracted rate in your participation agreement

## The national policy, applied in New Jersey

Aetna covers ABA for autism spectrum disorder under its national clinical policy CPB 0554 (paired with CPB 0648 for ASD), and considers ABA experimental for anything else. Precertification is required for both the assessment and treatment — form GR-69017-4, submitted via Availity or phone — with reauthorization commonly on a roughly 6-month cadence. That clinical policy is national — what changes in New Jersey is the legal floor underneath it: the state mandate below governs what fully-insured plans must cover (Aetna's CPBs state that applicable state mandates take precedence for fully insured plans), while self-funded employer plans answer to ERISA and federal parity instead. Plan funding type is therefore the first fact to establish on every benefits check. The full national policy breakdown lives in our Aetna guide; this page covers what changes in New Jersey. [2][3][1][17][7]

## The New Jersey mandate: strong, and stronger than it reads

P.L. 2009, c.115 (effective February 9, 2010, codified across N.J.S.A. 17:48-6ii and parallel sections for insurers, HMOs, individual and small-employer plans, plus the SHBP and SEHBP) requires state-regulated plans to cover autism screening and diagnosis, medically necessary PT/OT/ST for autism or other developmental disabilities, and medically necessary ABA-based behavioral interventions for autism in individuals under 21 — coverage owed even when services aren't restorative. The statute's headline limitation, a $36,000/year ABA cap, is largely dead: DOBI Bulletin 10-02 held the cap cannot be applied to group health plans subject to MHPAEA, because New Jersey classifies autism as a biologically-based mental illness and dollar limits conflict with federal parity — leaving it live mainly in nongroup policies. The IHC and SEH program boards went further in amendments effective January 2015, extending ABA to adults 21+ and removing therapy visit limits in the individual and small-employer markets. Practical current state: state-regulated plans cover medically necessary ABA without dollar caps. Self-funded ERISA plans remain exempt and may exclude ABA entirely. [4][5]

## What does Aetna need to continue ABA — are graphs required?

Aetna’s ABA Medical Necessity Guide (2026) sets what every authorization, initial or continued, must show. The treatment plan must have “specific identified target behaviors” that are “clearly defined: frequency, rate, symptom intensity or duration, or other objective measures of baseline levels are recorded, and quantifiable criteria for progress are established,” with transition, titration and discharge planning. There must be “demonstration of functional impairment on a standardized scale of functioning in the past 12 months,” for example the Vineland-3, ABAS, VB-MAPP or ABLLS. And “In instances where the frequency of the target behavior has improved over the course of treatment, documentation is included OR (2) If there has NOT been improvement, there is documentation of modification of the treatment, additional assessments that have been conducted, and/or there has been appropriate consultations.” Progress is reviewed on a fixed cycle: “A member's progress is to be evaluated every six months,” and coverage ends after improvement of two or more standard deviations in multiple domains, or less than one standard deviation in all domains “for successive authorization periods.” The guide asks for data and standardized scores but does not require graphs; send graphs if they show the progress clearly. [7]

## Aetna Medicaid in New Jersey

A family saying "we have Aetna" in New Jersey may actually be on the carrier's Medicaid plan — Aetna Better Health of New Jersey, an NJ FamilyCare MCO — which follows the state Medicaid rules (and publishes a rate sheet mirroring the state FFS schedule), not this commercial policy. Verify which line of business the card belongs to, and use the dedicated guide for the Medicaid plan.

## Licensure & rates in New Jersey

New Jersey licenses behavior analysts through the State Board of Applied Behavior Analyst Examiners at the Division of Consumer Affairs: the Licensed Applied Behavior Analyst (LBA — master's or doctorate, current BCBA/BCBA-D, and the NJ jurisprudence exam) and the assistant-level LaBA, under N.J.S.A. 45:8B-91 et seq. and N.J.A.C. 13:42B. The board's position is that supervision in all its forms constitutes practicing behavior analysis and requires a license; RBTs are unlicensed and work under a licensee. On rates: Aetna does not publish commercial ABA fee schedules for New Jersey (none of the national carriers do) — rates are contract-negotiated and live in your participating-provider agreement. Benchmark against NJ FamilyCare's published FFS schedule ($15.00/unit for 97153, $21.25 for 97155, $25.00 for 97151/97156) and treat rate-setting as a contracting conversation, not a lookup. [6]

## What is Aetna’s fee schedule for ABA?

Aetna publishes no ABA rate table. Its provider manual (6/26) treats payment as a contract term: “The rates and compensation under your agreement are subject to the Aetna coding/claim edit policies,” and where a provider has both an intermediary contract and a direct agreement, “your direct Aetna rates will apply unless we specifically notify you otherwise.” Even when a member’s benefits run out, the provider “cannot charge them more than the contracted rate.” Get the rates from your Aetna agreement or Aetna provider services. For a public benchmark, see the NJ FamilyCare fee-for-service rates in the New Jersey Medicaid guide. [8]

## Does Aetna allow retroactive authorization for ABA in New Jersey?

Aetna publishes no retroactive-authorization rule for ABA. Its provider manual (6/26) says "Applied behavior analysis (ABA) services require prior authorization" and describes prior authorization as communicating a coverage decision "before the procedure, service or supply." The process does not apply to "behavioral health benefits that we administer but do not control and self-funded plans with plan sponsors that have expressly purchased specific prior authorization requirements." On a fully insured New Jersey plan, the Ensuring Transparency in Prior Authorization Act adds two protections: a payer may not deny a claim for lack of prior authorization if you asked before the service and the payer did not answer within the legal deadline, and when a covered person moves to another payer that payer "shall accept the authorization" issued by the old one, based on its own plan's benefits. Self-funded employer plans are outside the Act. Ask Aetna before relying on a late request. [8][11]

## How fast does Aetna have to pay an ABA claim in New Jersey?

On a fully insured New Jersey plan, state law sets the clock. The Health Claims Authorization, Processing and Payment Act requires the insurer, HMO or health service corporation to “remit payment for every insured claim submitted by a covered person or health care provider, no later than the 30th calendar day following receipt of the claim” when it is filed electronically, and “no later than the 40th calendar day following receipt if the claim is submitted by other than electronic means,” as long as the provider and member were eligible on the date of service, the service is covered, the claim carries everything the payer asked for in advance, and there is no reason to suspect fraud. If the payer holds back for missing documentation, coding errors or a disputed amount, it must tell you within the same 30 or 40 days; for an electronic claim missing data it must ask “within seven days of that determination,” and it must acknowledge an electronic claim within two working days. “An overdue payment shall bear simple interest at the rate of 12% per annum.” You may appeal a claims determination internally “on or before the 90th calendar day” after receiving it; the payer must decide within 30 days, and an unresolved dispute can go to arbitration. [12][13][8][16]

Self-funded employer plans are outside these rules: DOBI lists “self-insurance” and the State Health Benefits Program among the plans its prompt-pay rules do not cover, so ask the employer plan’s administrator for its payment terms. Aetna’s own provider manual (6/26) defines a clean claim (all CMS-1500 data elements, including the NPI, and no coordination of benefits involved) but publishes no payment deadline or timely filing limit; the filing limit is in your participation agreement. [12][13][8][16]

Filing deadline and the “weekly cutoff” question. New Jersey sets the outer limit in licensing law rather than insurance law. A licensed behavior analyst is a Title 45 professional, and N.J.S.A. 45:1-10.1 says that where “the patient has assigned his benefits to the professional, the professional shall file the claim within 180 days of the last date of service for a course of treatment”; after that “the third party payer shall reserve the right to deny payment of the claim” and the professional “shall be prohibited from seeking any payment directly from the patient.” A claim the professional files on the patient’s behalf without an assignment is due “within 60 days of the last date of service for a course of treatment.” Neither the statute nor the prompt-pay rules set a weekly submission cutoff: the 30- and 40-day payment clocks start on the day the payer receives a clean claim. Aetna’s own filing limit sits in your participation agreement (see above); if it sets a shorter limit, file to that one. [12][13][8][16]

## Does Aetna require EVV for ABA in New Jersey?

Aetna publishes no commercial EVV requirement: its provider manual (6/26) has no electronic visit verification rule. EVV is a Medicaid mandate. The federal law behind it applies to “personal care services or home health care services requiring an in-home visit by a provider” paid under a state Medicaid plan, and New Jersey applies it to NJ FamilyCare personal care services — personal care assistance, home-based supportive care and in-home respite. Neither reaches ABA on an Aetna commercial plan. A family on Aetna Better Health of New Jersey (Medicaid) has its own guide. [8][14][15]

## Does Aetna (New Jersey) require a referring provider on ABA claims?

Not as a standing rule. Aetna’s provider manual (June 2026) says a clean claim includes “A corresponding referral (whether in paper or electronic format), if required for the applicable claim,” along with “All the data elements of the UB-04 or CMS-1500.” For behavioral health, which is where Aetna places ABA, “Members may access behavioral health care in three ways: Through direct access to the behavioral health provider; Through a recommendation from the primary care physician or other treatment provider; Through a referral from an employee assistance or student assistance program provider.” So box 17 is needed only when the member’s plan requires a referral for the service; in Aetna Open Access plans “referrals also are not necessary.” Where a PCP referral is required, it must be issued before the visit: “Referrals should not be retroactive.” [8]

## Intake gates

The questions that decide whether a family can start with Aetna in New Jersey, and what they have to bring.

- **Diagnosis recency**: Twelve months, and it attaches to the functional measure rather than to the diagnosis. Aetna's medical-necessity criteria require that "There is demonstration of functional impairment on a standardized scale of functioning in the past 12 months," with the impairment at least one standard deviation below the population mean or representing a significant risk of harm to self or others. The ASD diagnosis itself carries no stated shelf life — so a family with an older diagnostic report is not blocked, but a stale adaptive score is. [7]
- **Who may diagnose**: A scope-of-practice test rather than a specialty list. Aetna requires "a DSM-V diagnosis of Autism Spectrum Disorder (ICD-10: F84.0; F84.3 - F84.9) obtained by an appropriate provider," and defines that as a "licensed psychologist/psychiatrist, physician or other health care professional qualified to diagnose mental health conditions within their scope of practice." Note the code range: F84.2 (Rett syndrome) sits outside the listed set, and ABA for diagnoses other than ASD is treated as experimental. One New Jersey wrinkle on the code range: DOBI's implementing bulletin notes carriers may exclude clear Rett and childhood disintegrative disorder diagnoses from the mandate's autism definition, but must still consider them under the mandate's developmental-disability therapy prongs — so a Rett exclusion in the carrier policy is not the end of the coverage conversation on a state-regulated plan. [7][4]
- **Diagnostic tools required**: Aetna names adaptive-functioning instruments, not autism diagnostic instruments. The medical-necessity criteria require demonstrated functional impairment "on a standardized scale of functioning in the past 12 months. For instance, the Vineland Adaptive Behavior Scales 3 (VABS-3), the Adaptive Behavior Assessment Scale (ABAS), VB-MAPP or ABLLS," and quality-of-care elements add "Repeated measurement with standardized measures to assess progress." No ADOS-2 or ADI-R requirement appears anywhere — the instrument Aetna asks for is the one that sizes the hours, and the level-of-impairment calculation is what justifies the number requested. [7]
- **Referral required?**: No referral or physician order from Aetna. Aetna’s ABA Medical Necessity Guide names no referral or order; what it requires is precertification, which its behavioral health precertification list applies to every ABA code, assessment and treatment alike, with form GR-69017-4 supplying the clinical information. The guide’s only state exhibit is Maryland’s, so no New Jersey-specific order requirement is layered on by Aetna. New Jersey adds a document rather than a referral on fully insured plans: P.L. 2009, c.115 covers ABA for children under 21 “as prescribed through a treatment plan,” and that plan must include “a diagnosis; proposed treatment by type, frequency, and duration; the anticipated outcomes stated as goals; the frequency by which the treatment plan will be updated; and the treating physician’s signature.” The carrier “may only request an updated treatment plan once every six months from the treating physician,” unless both agree more frequent review is needed. No state form exists; the plan is the provider’s own document. Self-funded ERISA plans are outside the state mandate, so for them the carrier’s own rule above is the whole answer. [7][1][17][18][4]
- **Age limit** _(plan-dependent)_: Aetna sets no upper age limit in its national medical-necessity criteria. The ABA Medical Necessity Guide gives age only as clinical shape, not as a gate: comprehensive ABA carries a "typical age range" of 0-7 years at 10-25 hours a week for 1-2 years, while focused ABA is listed for "All ages" at 1-20 hours a week. The binding age question is the legal layer underneath: New Jersey's mandate (P.L. 2009, c.115) reaches individuals under 21 on state-regulated plans, with the IHC and SEH program boards extending ABA to adults 21+ in the individual and small-employer markets from January 2015; a self-funded ERISA plan answers to its own plan document. Establish funding type before quoting an age answer. So a 21-plus New Jersey inquiry is a market-analysis question, not an automatic turn-away. [7][4]
  - Ask the plan: The member's benefit document and Aetna precertification — funding type decides whether the state mandate or the plan document sets the age boundary.
- **Telehealth** _(plan-dependent)_: Aetna publishes no ABA telehealth code list: its ABA materials set medical-necessity criteria and precertification for 97151–97158, 0362T and 0373T but say nothing about remote delivery. Aetna's provider manual (6/26) says Aetna Behavioral Health "offers telehealth services to all commercial fully insured members and to all commercial self-insured plan sponsors, unless those self-insured plan sponsors opt out of telehealth services," and providers must hold the licensure state law requires. For a New Jersey fully insured plan, N.J.S.A. 26:2S-29 (as amended by P.L.2021, c.310) requires a carrier to cover telehealth "on the same basis as" in person for otherwise covered services, bars restrictions on the originating or distant site except to keep the in-person standard of care, and lets the carrier limit coverage to in-network providers; self-funded employer plans are outside it. [8][9]
  - Ask the plan: Availity or the precertification line on the card: ask whether the plan is fully insured in New Jersey or self-funded (and opted out of telehealth), and which ABA codes, POS and modifier Aetna pays by telehealth.
- **Prior-auth decision time** _(plan-dependent)_: Depends on how the plan is funded. Fully insured New Jersey plans follow the Ensuring Transparency in Prior Authorization Act (in force January 1, 2025): for outpatient services such as ABA, a denial must be communicated "no later than 12 days if the request is submitted in paper, or nine days if submitted through an electronic portal provided by the payer," and urgent-care determinations no later than 72 hours after receipt; if the payer asks for more information and the provider does not respond within 72 hours, the request is deemed withdrawn. Useful for reauthorizations: a prior authorization for a chronic or long-term condition "shall remain in effect for 180 days" unless a shorter period is needed with notice to the provider. Self-funded (ERISA) plans follow the federal claims rule instead: pre-service decisions within 15 days of receipt (one 15-day extension), urgent within 72 hours. Aetna's office manual and ABA medical-necessity guide publish no ABA-specific decision clock. [11][19][20]
  - Ask the plan: Benefits verification: fully insured NJ policy (ETPAA 9/12-day clock, 180-day authorizations) vs. self-funded ERISA plan (15 days / 72 hours), plus the carrier's behavioral health reviewer turnaround.
- **Other insurance (who pays first)** _(plan-dependent)_: For a child on two parents' plans, New Jersey's group coordination-of-benefits rule (fully insured group contracts) puts the plan of "the parent whose birthday falls earlier in a year" first — month and day only; same birthday → the plan that covered the parent longer. Divorced or separated parents: the custodial parent's plan pays first, then the custodial parent's spouse's plan, then the non-custodial parent's plan, unless a court decree makes one parent responsible for the child's health care. Self-funded plans set their own order in the plan document. Aetna says it follows the NAIC order-of-benefit rules, "as allowed by state or federal law," including the birthday rule, and that many self-funded plans use maintenance of benefits. If the child also has TRICARE, this plan pays first — TRICARE is the secondary payer to other health insurance under its double-coverage rule (Medicaid is the only coverage it pays ahead of). CHAMPVA likewise pays last: "In double coverage situations, CHAMPVA would be the last payer." If the child also has Medicaid, this plan is primary and Medicaid pays last. [21][8][22][23][24]
  - Ask the plan: Benefits verification with both plans: funding type, which is primary for the child, and whether the secondary plan requires its own authorization.

## Delivery and billing rules

Coverage decides whether Aetna in New Jersey pays. These decide whether the claim survives: staffing and supervision, concurrent billing, per-day ceilings, who signs the note, where the service is payable, and whose NPI the claim goes out under.

- **Supervision**: Aetna sets a duty, not a number. Where a state mandate, plan document or contract allows services from someone neither state-licensed nor BACB-certified, “there must be supervision and direction of the unlicensed or non-certified providers in line with practice standards.” The ABA Medical Necessity Guide sets an authorization ratio for supervision time rather than a caseload cap: “additional authorization may be provided for QHP protocol modification and direction at 1 to 2 hours per 10 hours of treatment by protocol,” that is 97155 at roughly 10–20% of 97153 hours. It publishes no cap on how many technicians one analyst may supervise; that comes from professional practice and the contract. Aetna's Network Participation Criteria (5/26) spell out the technician tier: services "must be provided directly or supervised by individuals licensed by the state or certified by the Behavior Analyst Certification Board," supervised staff may be a BCaBA "or a paraprofessional," and Aetna requires "A minimum of one hour of face-to-face supervision" of an unlicensed or noncertified paraprofessional "for each 10 hours of applied behavior analysis," plus the supervisor "onsite with the child at least one hour a month." "All BCBAs, BCaBAs and paraprofessionals must meet state requirements. If state requirements are not defined, all BCBAs, BCaBAs and paraprofessionals must meet Aetna standards." [10][7]
- **Bill as provider**: The claim carries the analyst, not the technician. “Services must be provided directly or billed by licensed behavior analysts (in states with behavior analyst licensure laws), board-certified behavior analysts, or licensed psychologists where behavior analysis is within their scope of practice definition, unless state mandates, plan documents or contracts require otherwise.” The escape clause matters: a state mandate or your contract can move the line, so confirm before enrolling technicians. [7]
- **Place of service** _(plan-dependent)_: Aetna publishes no ABA place-of-service list. On school settings it says two things. CPB 0648: "Many Aetna plans exclude coverage of educational services. For example, speech therapy or ABA services during class would be excluded under these plans. Please check benefit plan exclusions." And precertification form GR-69017-4 asks "Are any ABA hours being requested during class?" and, if so, how many and for which codes. The IEP/IDEA carve-out in Aetna's ABA medical necessity guide sits in its Maryland exhibit, not in the national criteria. Where ABA is payable in a school, the community or a group home is a benefit-document question. New Jersey adds a wrinkle worth checking separately: state Medicaid policy on school-setting ABA has moved since 2020, and a fully insured NJ commercial plan is bound by the state mandate rather than by Aetna’s national default. [3][17]
  - Ask the plan: The member's benefit document (educational-services exclusion), and Aetna provider services for whether school-setting ABA is payable on that plan.
- **Concurrent billing (97153 + 97155)** _(ask the plan)_: Not published. Neither the ABA Medical Necessity Guide nor Aetna’s clinical policy bulletin on ABA addresses whether 97153 and 97155 may be billed for the same clock time; Aetna carries the concurrency question in its claim editing rather than in a public policy.
  - Ask the plan: Aetna precertification/provider services at the number on the member’s ID card, and the plan’s own reimbursement schedule — ask specifically whether 97155 pays alongside 97153 when analyst, technician and member are all face-to-face.
- **Daily limits / MUEs** _(ask the plan)_: Not published. Aetna’s ABA documents set medical-necessity criteria and precertification requirements for 97151–97158, 0362T and 0373T, but no per-day unit ceiling and no statement of which MUE table applies.
  - Ask the plan: Aetna provider services; confirm before promising a family more than four hours a day of 97153.
- **Session-note signature** _(ask the plan)_: Not published in Aetna’s ABA materials — no rule on who signs a session note or within what window.
  - Ask the plan: The Aetna provider manual and your participation agreement’s documentation clause.

## What intake should collect for Aetna in New Jersey

- **Plan funding type:** Fully insured (mandate applies, no dollar cap in practice) vs. self-funded ERISA (exempt) — it decides which rulebook governs. Ask for the employer and check the card.
- **Line of business:** Commercial vs. Aetna Better Health of New Jersey (NJ FamilyCare Medicaid) — different rules, different guide.
- **Member ID + card photo:** Enough to run a live benefits verification — the only reliable answer on limits and cost-sharing.
- **Diagnosis report:** DSM-5 ASD diagnosis, diagnosing provider and credentials, evaluation date.
- **Age:** Under 21 for the statutory ABA prong — but IHC/SEH-market plans extend ABA to adults, so flag 21+ cases for market analysis rather than turning them away.

Free verification-call checklist (PDF): https://carelu.com/downloads/aba-verification-call-checklist.pdf

## Verification of benefits (VOB) data

How Aetna in New Jersey ABA benefits route and read on an eligibility check. Data last updated 2026-10-15.

### EDI routing

- **Payer ID (pVerify):** 00001 — pVerify 00001 = "Aetna" (Medical, Eligibility=Yes).
- **Payer ID (Availity):** 60054 — Availity 60054 = AETNA appears in the stale 2012 snapshot and matches the current national Aetna commercial ID — inferred pending a current export.
- **Payer ID (Change Healthcare / Optum):** 60054 — Change Healthcare/Optum lists 60054 = "Aetna Health Plan - PPO" (supports 270/271).
- **Member ID prefix:** Not used for eligibility — Aetna eligibility flyer: "When using the member ID number, prefixes or suffixes are unnecessary." Enter the member ID without the card prefix.
- **Supports 270/271 eligibility:** Yes
- **Behavioral health administrator:** Aetna Behavioral Health (same-payer-ID pass-through) — Aetna Behavioral Health rides the same medical payer ID (no second hop); confirm the ABA precertification path via Aetna provider services.
- **BH administrator payer ID:** 60054
- **ABA rides on:** medical benefit
- **Two-hop verification required:** No

### Code-level coverage

| Code | Covered | Prior auth | Unit cap | Place of service | Telehealth | Modifiers |
| --- | --- | --- | --- | --- | --- | --- |
| 97151 | Yes | Required — precertification via Availity or phone (both assessment and treatment) per Aetna's behavioral health precertification list (eff. 8/1/2024: 97151-97158, 0362T, 0373T), with form GR-69017-4 (7-26) supplying the clinical information; reauthorization commonly ~6 months (the ABA Medical Necessity Guide evaluates progress every six months). For fully-insured NJ plans the P.L. 2009, c.115 mandate is the legal floor (dollar caps voided for MHPAEA group plans per DOBI Bulletin 10-02); self-funded ERISA plans are exempt. | — | — | — | — |
| 97152 | Yes | Required — precertification via Availity or phone (both assessment and treatment) per Aetna's behavioral health precertification list (eff. 8/1/2024: 97151-97158, 0362T, 0373T), with form GR-69017-4 (7-26) supplying the clinical information; reauthorization commonly ~6 months (the ABA Medical Necessity Guide evaluates progress every six months). For fully-insured NJ plans the P.L. 2009, c.115 mandate is the legal floor (dollar caps voided for MHPAEA group plans per DOBI Bulletin 10-02); self-funded ERISA plans are exempt. | — | — | — | — |
| 97153 | Yes | Required — precertification via Availity or phone (both assessment and treatment) per Aetna's behavioral health precertification list (eff. 8/1/2024: 97151-97158, 0362T, 0373T), with form GR-69017-4 (7-26) supplying the clinical information; reauthorization commonly ~6 months (the ABA Medical Necessity Guide evaluates progress every six months). For fully-insured NJ plans the P.L. 2009, c.115 mandate is the legal floor (dollar caps voided for MHPAEA group plans per DOBI Bulletin 10-02); self-funded ERISA plans are exempt. | — | — | — | — |
| 97154 | Yes | Required — precertification via Availity or phone (both assessment and treatment) per Aetna's behavioral health precertification list (eff. 8/1/2024: 97151-97158, 0362T, 0373T), with form GR-69017-4 (7-26) supplying the clinical information; reauthorization commonly ~6 months (the ABA Medical Necessity Guide evaluates progress every six months). For fully-insured NJ plans the P.L. 2009, c.115 mandate is the legal floor (dollar caps voided for MHPAEA group plans per DOBI Bulletin 10-02); self-funded ERISA plans are exempt. | — | — | — | — |
| 97155 | Yes | Required — precertification via Availity or phone (both assessment and treatment) per Aetna's behavioral health precertification list (eff. 8/1/2024: 97151-97158, 0362T, 0373T), with form GR-69017-4 (7-26) supplying the clinical information; reauthorization commonly ~6 months (the ABA Medical Necessity Guide evaluates progress every six months). For fully-insured NJ plans the P.L. 2009, c.115 mandate is the legal floor (dollar caps voided for MHPAEA group plans per DOBI Bulletin 10-02); self-funded ERISA plans are exempt. | — | — | — | — |
| 97156 | Yes | Required — precertification via Availity or phone (both assessment and treatment) per Aetna's behavioral health precertification list (eff. 8/1/2024: 97151-97158, 0362T, 0373T), with form GR-69017-4 (7-26) supplying the clinical information; reauthorization commonly ~6 months (the ABA Medical Necessity Guide evaluates progress every six months). For fully-insured NJ plans the P.L. 2009, c.115 mandate is the legal floor (dollar caps voided for MHPAEA group plans per DOBI Bulletin 10-02); self-funded ERISA plans are exempt. | — | — | — | — |
| 97157 | Yes | Required — precertification via Availity or phone (both assessment and treatment) per Aetna's behavioral health precertification list (eff. 8/1/2024: 97151-97158, 0362T, 0373T), with form GR-69017-4 (7-26) supplying the clinical information; reauthorization commonly ~6 months (the ABA Medical Necessity Guide evaluates progress every six months). For fully-insured NJ plans the P.L. 2009, c.115 mandate is the legal floor (dollar caps voided for MHPAEA group plans per DOBI Bulletin 10-02); self-funded ERISA plans are exempt. | — | — | — | — |
| 97158 | Yes | Required — precertification via Availity or phone (both assessment and treatment) per Aetna's behavioral health precertification list (eff. 8/1/2024: 97151-97158, 0362T, 0373T), with form GR-69017-4 (7-26) supplying the clinical information; reauthorization commonly ~6 months (the ABA Medical Necessity Guide evaluates progress every six months). For fully-insured NJ plans the P.L. 2009, c.115 mandate is the legal floor (dollar caps voided for MHPAEA group plans per DOBI Bulletin 10-02); self-funded ERISA plans are exempt. | — | — | — | — |
| 0362T | Yes | Required — precertification via Availity or phone (both assessment and treatment) per Aetna's behavioral health precertification list (eff. 8/1/2024: 97151-97158, 0362T, 0373T), with form GR-69017-4 (7-26) supplying the clinical information; reauthorization commonly ~6 months (the ABA Medical Necessity Guide evaluates progress every six months). For fully-insured NJ plans the P.L. 2009, c.115 mandate is the legal floor (dollar caps voided for MHPAEA group plans per DOBI Bulletin 10-02); self-funded ERISA plans are exempt. | — | — | — | — |
| 0373T | Yes | Required — precertification via Availity or phone (both assessment and treatment) per Aetna's behavioral health precertification list (eff. 8/1/2024: 97151-97158, 0362T, 0373T), with form GR-69017-4 (7-26) supplying the clinical information; reauthorization commonly ~6 months (the ABA Medical Necessity Guide evaluates progress every six months). For fully-insured NJ plans the P.L. 2009, c.115 mandate is the legal floor (dollar caps voided for MHPAEA group plans per DOBI Bulletin 10-02); self-funded ERISA plans are exempt. | — | — | — | — |

Code notes:

- **97151, 97152, 97153, 97154, 97155, 97156, 97157, 97158, 0362T, 0373T:** Verify via: Aetna provider services / precertification and a live benefits check (plan funding type first) — CPB 0554 & 0648 are medical-necessity policies with no unit caps, POS codes, or modifiers. Commercial ABA rates are contract-specific (out of Layer 4 scope).

### Contacts

- **Benefits by phone:** Yes
- **Provider services phone:** 1-888-632-3862 (TTY: 711) — Aetna Provider Contact Center (member eligibility and benefits, prior authorization; also behavioral health provider services); HMO-based plans: 1-800-624-0756
- **Portal:** [Availity Essentials](https://www.availity.com)

Questions to ask on a verification call:

- What is the member's plan funding type — fully-insured (P.L. 2009, c.115 mandate applies) or self-funded (ERISA, mandate-exempt)?
- Are there unit or hour caps on ABA codes for this member's specific plan?
- Which places of service (home/office/school/telehealth) are approved for this member's authorization?
- Are there modifier requirements (licensure tier, telehealth) for billing?
- Is eligibility checking real-time or batch?

### VOB data sources

- https://www.aetna.com/cpb/medical/data/500_599/0554.html (accessed 2026-07-23)
- https://www.aetna.com/cpb/medical/data/600_699/0648.html (accessed 2026-07-23)
- https://pverify.com/wp-content/uploads/2026/03/pVerifyPayers_All-Payers-List-3-2026.pdf (accessed 2026-07-23)
- https://www.optum.com/content/dam/o4-dam/resources/pdfs/guides/professional-claims-payer-list.pdf (accessed 2026-07-23)
- https://essentials.availity.com/availity/documents/payer_list_wShortNames.pdf (accessed 2026-07-23; source document older than 18 months)
- https://www.aetna.com/document-library/healthcare-professionals/assets/documents/eligibility.pdf (accessed 2026-10-14)
- https://www.caqh.org/sites/default/files/CAQH%20CORE%20Eligibility%20Benefits%20(270_271)%20Data%20Content%20Rule%20vEB2.0.pdf (accessed 2026-07-23)
- https://www.aetnaseniorproducts.com/ssi/assets/pdf/Aetna%20SSI%20EDI%20270-271%20Companion%20guide.pdf (accessed 2026-07-23)
- https://www.aetna.com/content/dam/aetna/pdfs/aetnacom/healthcare-professionals/documents-forms/bh_precert_list.pdf (accessed 2026-07-23; source document older than 18 months)
- https://www.aetna.com/content/dam/aetna/pdfs/aetnacom/pharmacy-insurance/healthcare-professional/documents/outpatient-behavioral-health-BH-ABA-assessment-precert.pdf (accessed 2026-07-23)
- https://www.aetna.com/content/dam/aetna/pdfs/health-care-professionals/applied-behavioral-analysis-necessity-guide.pdf (accessed 2026-07-23)
- https://www.aetna.com/content/dam/aetna/pdfs/aetnacom/healthcare-professionals/documents-forms/aetna-at-a-glance.pdf (accessed 2026-10-14)

## Common questions

### What does Aetna need to reauthorize ABA in New Jersey — are graphs required?

Aetna’s ABA guide asks for a treatment plan with objective baseline measures and measurable progress criteria, a standardized functional scale (such as Vineland-3, ABAS, VB-MAPP or ABLLS) from the past 12 months, and documentation of improvement or of how treatment was changed if there was none. Progress is reviewed every six months. The guide does not require graphs.

### What is the timely filing limit for Aetna commercial ABA claims in New Jersey, and is there a weekly cutoff?

New Jersey law gives a licensed professional 180 days from the last date of service to file when the family has assigned benefits (N.J.S.A. 45:1-10.1); after that the plan may deny the claim and you cannot bill the family. Your Aetna agreement may set a shorter limit. There is no weekly cutoff: on fully insured plans Aetna must pay a clean claim within 30 days of receiving it electronically, or 40 days on paper.

### Does Aetna (New Jersey) require a referring provider on ABA claims?

Only when the member’s plan requires a referral. Aetna’s June 2026 provider manual counts a referral as part of a clean claim only "if required for the applicable claim," and members can reach behavioral health care by direct access. Open Access plans need no referral. Check the member’s plan on the eligibility response.

### Does Aetna cover ABA therapy in New Jersey?

Yes — under the carrier's national policy for ASD, layered on New Jersey's mandate (P.L. 2009, c.115) for fully-insured plans. Self-funded employer plans are exempt from the mandate, so always verify plan funding type first.

### Does the $36,000 ABA cap in New Jersey's mandate still apply?

Mostly not — DOBI Bulletin 10-02 held the cap cannot be applied to group plans subject to federal parity (MHPAEA), since New Jersey treats autism as a biologically-based mental illness. In practice, state-regulated plans cover medically necessary ABA without dollar caps; the cap survives mainly in nongroup policies.

### What does Aetna pay for ABA in New Jersey?

Aetna publishes no ABA rates. Its provider manual says payment follows “the rates and compensation under your agreement,” so the numbers are in your Aetna participation agreement. NJ FamilyCare's fee-for-service schedule (see the New Jersey Medicaid guide) is the public benchmark.

### Does Aetna require RBT certification for ABA technicians?

Aetna's network criteria do not require the RBT credential by name: technicians may be paraprofessionals supervised by a BCBA or licensed provider, with at least 1 hour of face-to-face supervision per 10 hours of ABA and the supervisor onsite with the child at least 1 hour a month. Technicians must meet any state requirement, so check the state's licensure or Medicaid rules too.

### Does Aetna allow retro authorization for ABA in New Jersey?

Aetna publishes no retro-authorization rule; ABA needs precertification before services. On a fully insured NJ plan, state law bars a no-authorization denial if Aetna missed its decision deadline, and requires a new payer to honor an existing authorization.

### What is Aetna commercial’s payment turnaround for ABA claims in New Jersey?

On fully insured NJ plans, state law: clean claims paid within 30 days if filed electronically and 40 days on paper, with 12% yearly interest on late payments. Self-funded employer plans are not covered by the state rule.

### Does Aetna commercial in New Jersey require EVV for ABA?

No published rule. Aetna’s provider manual has no EVV requirement, and EVV is a Medicaid requirement for personal care and home health services, not ABA.

## Primary sources

1. [Aetna — Participating provider behavioral health precertification list (ABA: 97151–97158, 0362T, 0373T)](https://www.aetna.com/content/dam/aetna/pdfs/aetnacom/healthcare-professionals/documents-forms/bh_precert_list.pdf)
2. [Aetna CPB 0554 — Applied Behavior Analysis](https://www.aetna.com/cpb/medical/data/500_599/0554.html)
3. [Aetna CPB 0648 — Autism Spectrum Disorders](https://www.aetna.com/cpb/medical/data/600_699/0648.html)
4. [NJ DOBI Bulletin 10-02 — Implementation of P.L. 2009, c.115](https://www.nj.gov/dobi/bulletins/blt10_02.pdf)
5. [Autism NJ — Amendments to Insurance Mandate Expand Coverage](https://autismnj.org/news/amendments-to-insurance-mandate-expand-coverage/)
6. [NJ Board of Applied Behavior Analyst Examiners — FAQ](https://www.njconsumeraffairs.gov/abae/Pages/FAQ.aspx)
7. [Aetna — Applied Behavior Analysis Medical Necessity Guide (©2026)](https://www.aetna.com/content/dam/aetna/pdfs/health-care-professionals/applied-behavioral-analysis-necessity-guide.pdf)
8. [Aetna Health Care Professional Toolkit / provider manual (8102800-01-01, 6/26)](https://www.aetna.com/content/dam/aetna/pdfs/aetnacom/health-care-professionals/office_manual_hcp.pdf)
9. [P.L.2021, c.310 — amends N.J.S.A. 30:4D-6k (Medicaid/NJ FamilyCare telehealth coverage) and 26:2S-29 (carrier telehealth coverage)](https://nj.gov/treasury/pensions/documents/laws/ch310-2021.pdf)
10. [Aetna — Provider and facility participation criteria (Network Participation Criteria, 8100606-01-01, 5/26)](https://www.aetna.com/content/dam/aetna/pdfs/aetnacom/healthcare-professionals/documents-forms/network-participation-criteria-document.pdf)
11. [P.L. 2023, c.296 — Ensuring Transparency in Prior Authorization Act (N.J.S.A. 17B:30-55.1 et seq.)](https://www.nj.gov/treasury/pensions/documents/laws/ch296-2023.pdf)
12. [P.L.2005, c.352 — Health Claims Authorization, Processing and Payment Act (N.J.S.A. 17B:30-48 et seq.; prompt pay in 17B:26-9.1, 17B:27-44.2, 17:48E-10.1, 26:2J-8.1)](https://pub.njleg.state.nj.us/Bills/2004/PL05/352_.PDF)
13. [NJ DOBI — Prompt Pay Regulations FAQ (N.J.A.C. 11:22-1)](https://www.nj.gov/dobi/division_insurance/promptfaqs.htm)
14. [42 U.S.C. 1396b(l) — Medicaid electronic visit verification (LII)](https://www.law.cornell.edu/uscode/text/42/1396b)
15. [NJ FamilyCare Managed Care Contract (01/2026) — Art. 7.16.5 timely payments; App. B.4.4 ABA service description](https://nj.gov/humanservices/dmahs/documents/providers-stakeholders/hmo-contract.pdf)
16. [N.J.S.A. 45:1-10.1 — Title 45 professionals file third-party claims within 60 days (patient-filed) or 180 days (assigned benefits) of the last date of service (FindLaw)](https://codes.findlaw.com/nj/title-45-professions-and-occupations/nj-st-sect-45-1-10-1.html)
17. [Aetna — Outpatient BH ABA Treatment Request: Required Information for Precertification, form GR-69017-4 (7-26)](https://www.aetna.com/content/dam/aetna/pdfs/aetnacom/pharmacy-insurance/healthcare-professional/documents/outpatient-behavioral-health-BH-ABA-assessment-precert.pdf)
18. [P.L. 2009, c.115 — New Jersey autism and developmental disability coverage (enrolled law)](https://pub.njleg.state.nj.us/Bills/2008/PL09/115_.PDF)
19. [NJ DOBI Bulletin 24-17 — Ensuring Transparency in Prior Authorization Act](https://nj.gov/dobi/bulletins/blt24_17.pdf)
20. [29 CFR 2560.503-1 — ERISA claims procedure (eCFR)](https://www.ecfr.gov/current/title-29/section-2560.503-1)
21. [N.J.A.C. 11:4-28.6 — Rules for coordination of benefits (LII)](https://www.law.cornell.edu/regulations/new-jersey/N-J-A-C-11-4-28-6)
22. [32 CFR 199.8 — TRICARE double coverage (eCFR)](https://www.ecfr.gov/current/title-32/section-199.8)
23. [38 CFR 17.270 — CHAMPVA definitions, double coverage (eCFR)](https://www.ecfr.gov/current/title-38/section-17.270)
24. [N.J.A.C. 10:49-7.3 — Third-party liability (TPL) benefits (LII)](https://www.law.cornell.edu/regulations/new-jersey/N-J-A-C-10-49-7-3)

Payer policies change frequently and vary by plan, state, and funding type. This guide was compiled from the sources above and last reviewed October 2026; it is general information, not billing, legal, or clinical advice. Always verify current requirements against the payer's live policy and a benefits check for the specific member.

Source: Carelu ABA Payer Directory — https://carelu.com/payers. Free to cite with attribution.