Your insurance provider likely covers our therapy services. However, the coverage you get depends on where you live. ABA therapy in New Jersey limits insurance coverage for applied behavior analysis to individuals with autism who are under 21 years old. There is no dollar limit on coverage of ABA therapy in New Jersey. The State Autism Insurance Law accepts individual, fully insured large group, and fully insured small group plans. Besides ABA therapy, other services covered by the law include speech therapy, occupational therapy, and physical therapy.