NJ medical insurance regulations are complex and ever changing, particularly as they concern ABA coverage. As an out-of-network provider, we advise that all clients use an insurance advocate/expert prior to commencing intervention. That person will help you understand your coverage and will assist you in recovering the maximum to which you are entitled. It should be noted that single case (in-network) agreements (SCAs) are possible. For many years, we have worked with Yvonne McNamee and recommend her highly. Ask her about the possibility of a single case agreement.