🏥Licensed Therapy Coverage

ESA Funding for Therapy Services

Education Savings Accounts can cover a wide range of therapeutic services from licensed practitioners, including speech therapy, occupational therapy, physical therapy, and more.

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Therapy Services Covered by ESAs

Speech-Language Therapy

Licensed SLPs (Speech-Language Pathologists) providing services for:

  • Articulation disorders
  • Language delays
  • Social communication
  • Stuttering/fluency
Most States

Occupational Therapy

Licensed OTs providing support for:

  • Fine motor skills
  • Sensory integration
  • Daily living activities
  • Handwriting/coordination
Most States

Physical Therapy

Licensed PTs providing services for:

  • Gross motor development
  • Balance and coordination
  • Strength building
  • Mobility challenges
Most States

ABA Therapy

Applied Behavior Analysis from BCBAs/RBTs for:

  • Autism spectrum disorder
  • Behavioral challenges
  • Social skills development
  • Communication skills
Arizona, Florida, Others

Specialized Therapies

Arizona allows additional therapies:

  • Aquatic therapy
  • Hippotherapy (equine)
  • Music therapy
  • Social group therapy
State Specific

Educational Therapy

Licensed educational therapists for:

  • Reading interventions
  • Math support
  • Executive functioning
  • Study skills
Most States

Therapy Coverage by State

StateSpeechOTPTABAOtherNotes
Arizona✓✓✓✓✓Includes aquatic, music, hippotherapy
Arkansas✓✓✓?–Check approved provider list
Florida✓✓✓✓–Licensed practitioners required
Indiana✓✓✓✓–Educational therapies included
Mississippi✓✓✓?–Licensed therapy services allowed
Montana✓✓✓––Special needs only program
North Carolina✓✓✓✓–Therapeutic services approved

Always verify with your state program

Coverage rules vary by state. Check your state's approved provider list or contact us for help finding qualified therapists.

Finding Therapy Providers Who Accept ESAs

1

Check Your State's Approved Provider List

Most state ESA programs maintain lists of approved therapy providers. Visit your state's ESA program website or contact their office for the current list of licensed therapists who accept ESA payments.

2

Contact Therapists Directly

Search for licensed therapists in your area (SLPs, OTs, PTs, BCBAs) and ask if they accept ESA payments. Many private practice therapists are willing to work with ESA families, especially in states with established programs like Arizona and Florida.

3

Confirm Provider Eligibility

Ask providers if they accept ESA payments and confirm they meet your state's approval or licensing requirements. Many providers already work with ESA families.

  • Licensed speech therapists
  • Occupational and physical therapists
  • Board Certified Behavior Analysts (BCBAs)
  • Educational therapists

Therapy Services FAQs

Need Help Finding Therapy Providers?

Explore your state's covered therapies and search for providers who accept ESA payments.

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