Insurance Coverage for Autism
The bad news is that not all states and not all insurers provide full insurance coverage for Autism and Autism Spectrum Disorders. The good news is that this is an ongoing fight and every day, changes are being made that will help protect the estimated 730,000 children under the age of 21 who have been diagnosed with either Autism or Autism Spectrum Disorder (ASD). If your child has been diagnosed with either Autism or ASD, your first step is to discover your state laws regarding insurance coverage for your child.
Know what the state law is and don’t expect all insurers to act accordingly. Inform yourself on the legal rights you and your child are entitled to before seeking insurance coverage. Whether an insurance provider is ill informed or simply doesn’t want to sell policies with extended coverage remains to be seen, but do not go into a situation trusting everything an insurance agent tells you. Laws frequently change and it is quite possible the agent simply isn’t up to date with the law. With that said, you’ll find that many states have enacted laws protecting the rights of those with Autism and ASD to have access to affordable and comprehensive health insurance and many states that are still undergoing legal changes provide coverage on a limited basis.
There is no doubt that children who have been diagnosed with Autism or Autism Spectrum Disorders need therapy to make the best progress they can and to successfully overcome any obstacles or challenges they have been presented with. Therapy may consist in the form of physical, speech, Applied Behavioral Analysis and occupational therapy. These types of medical services can be overwhelming to a family that is uninsured or underinsured. It is crucial that parents and childcare givers determine what local resources are available in their area, and find an insurance plan that specifically provides insurance coverage for Autism and Autism Spectrum Disorders. You may find that networking with other families dealing with finding insurance coverage for Autism and ASD is the best way to find a provider who will meet the needs of your child.
As the growing needs of children diagnosed with Autism continues to expand, you’ll find that many insurers do not want to provide coverage and want to classify Autism and ASD as a pre existing condition that causes an automatic denial. Always check with your state laws as parents and health care workers continue to fight to ensure that children diagnosed with Autism have access to high quality health care and current therapeutic techniques. You may find that one of the best resources you have available is to check and compare different quotes for insurance coverage for Autism through your computer. You can save countless hours and phone time by filling out different insurance quotes online to determine whether or not an insurance provider is able to meet the needs of your family and specifically, your child.
If you live in a state that previously excluded insurance coverage for Autism and Autism Spectrum Disorder, but has recently undergone legal changes then you will first need to determine when those changes will go into effect on your policy. Though laws change, they don’t necessarily mean that you will receive benefits immediately. Sometimes you must wait for a policy to be renewed before you can take advantage of the new coverage. Also, determine what type of insurance provider is mandated by law to provide insurance coverage for Autism and ASD, as new laws may be in effect for small and large group insurers, government insurance and federal plans. You may find that it is beneficially to drop your current insurance carrier and go with another plan that has more comprehensive benefits. Should you decide to change insurance providers be sure to discuss possibly waiting periods as you may be subjected to another waiting period before claims are filed. One out of 110 children has been diagnosed with Autism and because of these high numbers, it is imperative to find an insurance company that will provide insurance coverage for Autism and Autism Spectrum Disorder.