A caregiver reviewing insurance coverage to better understand plan benefits. Why Insurance Coverage Matters for Therapy Services Access to therapy services can be a vital support–and in many cases essential–for individuals with intellectual and developmental disabilities (I/DD). Therapies such as Applied Behavior Analysis (ABA), speech therapy, occupational therapy, and physical therapy help build independence, support mental health, and develop essential daily living skills.

Step-by-step guide to applying for a New Jersey Medicaid waiver, helping individuals with developmental disabilities access home and community-based services, including tips for eligibility, required documents, and navigating waitlists.