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The support for children with autism- financially

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Living with Limitation

One of those primary concerns that a parents would encounter when dealing with the evaluation and treatment plan for their child is how to pay the program. Multidisciplinary programs are expensive and can spend a tens of thousand of  dollars per year. Financial support for children with autism will be the secondary concern after the diagnosis. It is merely not a child’s play. It is a serious matter that needs also to talk about.

Sad to say, but most of the expenses would be paid through out of pocket because the insurance companies and educational systems have not accepted them. In general,  the insurance companies require evidence based on scientific back-up in order to fund a particular treatment.

Financial Resources

Funding resources can vary by state or country where you lived in. Early intervention services are mandated by a federal law and provided in each state until the child reach the age of three.

The content of these programs are varies  state by state and some of these programs may not appropriate or applicable on the condition of the child with ASD.

The Individuals with Disabilities Education Improvement Act (IDEIA) mandates that the state provides all eligible children with a free and appropriate public education that meets their individual needs. Autism is mentioned in IDEIA as a condition that compose disability.

Hence, school districts are required to provide the necessary education program appropriate to a child with disability. The number of hours of services offered to a child with ASD can vary across the country. Because of the Government has a financial restrictions , they often resist  of spending much   beyond to what is interpreted by the law.

So, it is really up to parents on how they are going to get the right program for their child, sometimes they need to go to fair hearing process with an attorney to get the right judgement for the appropriate program of their child (For information on services and legal counsel visit www.wrightslaw.com).

Health Insurance

The reimbursement of the out of pocket expenses related to your child’s treatment will depend on the diagnosis , time spent and provider reimbursement coverage.

This is also varies by state , as well as by insurance carrier and plan. Insurance help for autism can be found in this website www.insurancehelpforautism.com. That is very helpful if the parents  live in California but if not they  can follow the link that would lead them  into their own state.

Included into this website are diagnostic codes that can be used for medical diagnosis, as well as diagnosis related to speech and language, and behavioral approach. In considering which diagnostic code will be used when requesting coverage, it is much easier to remember that most of the time their children brought to medical check-up due to other health issues and it is considerably separate issue to autism.

If the child for example is suffering for seizure disorder or allergies these would be considered primary reason for the visit and the second reason is autism. This would make a chance to get reimbursement. Having the information of your insurance policy and including what is covered both diagnostically and therapeutically can be very helpful to the health care professional as they can help the parents in claiming reimbursement.

For more information about  seeking financial help several state have passed a law that requires a mandatory health coverage for ASD which call the insurance coverage up to certain amounts per year and for certain numbers of years until the child turns eighteen.

Moreover, Parents can also apply on behalf of their child  for a Disability Benefits from Social Security Administration. The parents should need to complete an application for Supplemental Security Income (SSI) and a Child Disability Report. The report obtained the information about the child’s condition and how  it relates on his or her ability to function. The SSI is commonly for low income family only. But however,  for adult who became disabled in childhood (prior to age 22) , the Social Security Disability Insurance (SSDI) can apply to him or her. They call it  a child’s benefit because it is paid on a parent’s Social Security earnings record. Please visit https://www.ssa.gov/disabilityssi/apply-child.html website.

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For sensory needs, toys and informative books about Autism at lowest price  Click here.

I hope this post would provide some information for  parents who were seeking  help financially to support the program that their children needed.

 

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8 comments

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  1. carol

    Hello Cris,
    First, God bless you and your family especially your son. I have recently been looking more and more into autism because recently my cousins’ twins are going through testing right now because doctors suspect they are autistic. So, I wanted to ask you if not too personal at what age did you know your son was autistic? The twins are 4 at the moment and my only thing that is strange to me is that both of them are exactly the same and they are at the same developmental spot. I don’t know I am new to this and all I can do is support my cousin through this time of really the unknown. Cris, I really hope the insurance companies wake up and realize families need their help and they need to recognize the treatments as a necessity. Have a very Happy New Year and many Blessings in “2017”
    Carol

    1. Cris Santos

      Hello Carol,
      When my child was diagnosed of Autism he was more than 3 years old. During his first and second year of age it was hard to tell if there was really a mental development like any other child has. But after three years of age that is when you are beginning to expect, to hear words first time from your baby’s mouth. Uttering, imitating words and learning from what he heard. If none of those happen, then you start worrying about. On his 3 years of age , his therapist told us that my son has language delayed and he could catch up as he grow older. But not all findings and assumptions are correct, at the age of 4 my son was diagnosed of having autism. The autism runs in a blood line, a family health history can help land the right diagnosis.

  2. carol

    Hello Cris,
    First, God bless you and your family especially your son. I have recently been looking more and more into autism because recently my cousins’ twins are going through testing right now because doctors suspect they are autistic. So, I wanted to ask you if not too personal at what age did you know your son was autistic? The twins are 4 at the moment and my only thing that is strange to me is that both of them are exactly the same and they are at the same developmental spot. I don’t know I am new to this and all I can do is support my cousin through this time of really the unknown. Cris, I really hope the insurance companies wake up and realize families need their help and they need to recognize the treatments as a necessity. Have a very Happy New Year and many Blessings in “2017”
    Carol

    1. Cris Santos

      Similar comment as above from Carol.

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    hi chris . this page is very colourful, the information that you are giving is up to date , with good links to follow for folks with family members with this condition .its a shame that no one in world government agencies have not taken the issues that folk have with all types of conditions concerning brain function . and set up a specialist body , to deal with this .

    1. Cris Santos

      Hey Jersey,
      I would like to thank you for sharing your comment. I would continue posting more about this article until somebody that has an authority listen to what people ask. We need really the government support. I hope someday those help would not go only to less fortunate family but for all children who definitely diagnose with autism.

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    I have been surfing online more than 3 hours today, but I never discovered any attention-grabbing article like yours. It is lovely worth sufficient for me. In my view, if all website owners and bloggers made good content as you probably did, the web will be a lot more helpful than ever before.

  5. admin

    Hello Pandora Jewelry,

    Thank you for such a wonderful complement on this article. I have been trying my best to select only article that I think would be really useful for family like mine who are engaging sort of difficulties in dealing with Autism disorder. Thanks again for stopping by I hope you had found here the information that you needed. Have a good day.

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