Commercial Insurance

BTS works with a variety of commercial insurance plans. Coverage, authorizations, and approved service hours are determined by each insurance provider and are based on medical necessity and plan benefits.

Because coverage varies by plan, families are encouraged to contact their insurance provider directly to understand their specific benefits, deductibles, and authorization requirements.

Medicaid

Medicaid is a public insurance program that may cover medically necessary services for eligible children. Eligibility and coverage are determined by the State of Georgia and may depend on income, disability status, and other factors.

Some families use Medicaid as:

• Primary insurance, or
• Secondary insurance alongside a commercial plan

Medicaid coverage does not guarantee specific service hours and is subject to authorization and medical necessity requirements.

Katie Beckett (Deeming Waiver)

Katie Beckett, also known as the Deeming Waiver, is a Georgia Medicaid eligibility program for children under age 18 with significant disabilities. Unlike traditional Medicaid, eligibility is based on the child’s income and resources, not the parents’ income.

Some families explore Katie Beckett when private insurance coverage is limited or when a child has significant support needs. Approval is not guaranteed, and the application process is managed by the State of Georgia.

Learn more about Katie Beckett and how to apply:

Private Pay

Some families choose private pay options for services that are not covered by insurance or while waiting for insurance determinations. Private pay arrangements are discussed directly with families based on availability and service needs.