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