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.
Therapy Services Covered by ESAs
Speech-Language Therapy
Licensed SLPs (Speech-Language Pathologists) providing services for:
- Articulation disorders
- Language delays
- Social communication
- Stuttering/fluency
Occupational Therapy
Licensed OTs providing support for:
- Fine motor skills
- Sensory integration
- Daily living activities
- Handwriting/coordination
Physical Therapy
Licensed PTs providing services for:
- Gross motor development
- Balance and coordination
- Strength building
- Mobility challenges
ABA Therapy
Applied Behavior Analysis from BCBAs/RBTs for:
- Autism spectrum disorder
- Behavioral challenges
- Social skills development
- Communication skills
Specialized Therapies
Arizona allows additional therapies:
- Aquatic therapy
- Hippotherapy (equine)
- Music therapy
- Social group therapy
Educational Therapy
Licensed educational therapists for:
- Reading interventions
- Math support
- Executive functioning
- Study skills
Therapy Coverage by State
| State | Speech | OT | PT | ABA | Other | Notes |
|---|---|---|---|---|---|---|
| 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
Finding Therapy Providers Who Accept ESAs
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.
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.
Use Our Concierge Service
Our $149 Concierge Service includes help finding and vetting therapy providers in your area who accept ESA funds. We can connect you with:
- Licensed speech therapists
- Occupational and physical therapists
- Board Certified Behavior Analysts (BCBAs)
- Educational therapists
Therapy Services FAQs
Need Help Finding Therapy Providers?
Our Concierge Service connects you with licensed therapists in your area who accept ESA payments. We'll help you maximize your therapy benefits for just $149.