Children with autism who have public insurance seem to do as well as children with autism who have private insurance.
There are very few studies that look at how the type of insurance a family has affects the therapy received by a child with autism. The purpose of this study was to compare families with public and private insurance to see the services that they received for their children with autism. In the state of Kentucky, families with public and private insurance had the same out-of-pocket expense, service use, and mixture of services used.
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Please comment on this autism topic.
Responding to insurance
Sep 13, 2011 by AnonymousI live in North Carolina. My daughter was diagnosed with autism and in the hopes of getting the best treatment and intervention available, she is being left behind. Her insurance, medicaid, pays for very little of her early intervention services. And to add to our disappointment, medicaid does not pay for ABA services.
Responding to insurance
Sep 13, 2011 by AnonymousWe have private insurance for which we pay a premium and deductible. It covers occupational therapy, language therapy, physical therapy and psychological therapy but at a combined 75 visits for calendar year. This is not for each therapy but rather 75 total for all together. Thus, even with illness or vacation times taken, we do not have enough alotted time slots covered to continue therapy for a full year. Once we run out of the 75 covered slots, we must pay out of pocket. We pay a copay of $20 per visit. So, for example, if my child sees a language/speech therapist and the ot once per week it is $40 out of pocket until we hit the magic 75 allowed under the insurance. Then we woud have to pay $150 for one therapy and $160 for the other per week. The psychology/psychiatrist appointments are monthly. All of these therapies would be available more frequently and I am told by the therapists very helpful if we could do more than once a week for 1/2 a session but we cannot afford to do this. The children on the autism spectrum benefit greatly from these therapies and it is something that should be covered under the insurance policies, just as any health or mental health issue should be.
Responding to relationship development intervention (RDI)
Jul 28, 2011 by AnonymousThank you to all the RDI defenders. It is ridiculous to believe that there is just one tried and true therapy for kids with autsim. I believe ABA works for some kids, but it wasn't even an option for mine. We had a very well-known doctor who agreed with our decision and believed because of our son's personality, ABA might cause of problems for him. We started RDI at home about 2 years ago. We then moved into extendeder services at our home and now have him in an RDI therapeutic school 5 full days a week. WOW, what a difference! My son has made such striders. The extenders are wonderful people who really care about him and his progress. He has built peer relationships at school that I never thought was possible. RDI is not a fad. Because of the nature of the program, progress is documented on a regular basis via videos made by parents, consultants, etc. It is amazing to look back and see how far my son has come. As a parent, you feel supported and a huge part of your child's progress which is so rewarding. I urge other families to take a look at RDI and not be pushed into other therapies that they are not comfortable with. BTW, my son's RDI is covered 100% through insurance after we reach our deductible.
Just around the bend...
Jul 26, 2009 by AnonymousSummer is half over and as with people nationwide concerns regarding bugdet cuts to services, inavailability of services that are supportive of our children on the spectrum and the dangers in the community that became more apparent as they get older abound. While I am sure parents overall have concerns about their children being at risk in their community this fear is exacerbated greatly when your child is often oblivious to these dangers because of social skill and comprehension deficits. In the past few weeks I have run into two friends whose teenage sons, once a part of a special needs support group which has fallen prey to the budgetary axe, both found themselves under arrest. I could debate the circumstances but suffice it to say that this is every mothers nightmare. So what do we do when the mainstream only hear about early intervention. It is as if by some misfortune parents who have not solved this exhaustive puzzle of advocating and searching for appropriate services and therapies simply no longer exist once their child falls out of that window the public eye envisions of a child on the spectrum. Beautiful doe eyed 2, 3, 4 and 5 year olds. What happens when they become 12, 13,16, 19? when insurance companies want to deem their progress insufficient and therefore not medicallly necessary? When schools have decided thier capabilities long before they max out at age 22? When they have too often become prey for others willing to exploit their disability? I lose sleep over the thought that my son will one day find himself in a compromising situation because of his inabiility to discern dangers around him, or people who would use him, hurt him.... So that is my thought for the week. How do you as educators, clinicians and parents affect change in the lives of our preteens and teens and adults with ASD so that mothers like me will not live this nightmare?