Using this handy guide you will learn what services and therapies there are, who provides them, where they are provided and who is supposed to be paying for them BEFORE You start paying out of pocket. The “Who Pays for What” document covers: Service Name Service Description Who Delivers Service Who Funds Service Links It […]
Tag: insurance
Autism on a Budget Series
I am a single mom of two adults on the spectrum so I know all about money concerns. Raising a child, or two, with ASD will break the bank! I have also been doing parent support for over 10 years and have been asked countless times, “How am I supposed to be able to afford […]
Insurance Definitions
ABC (Alternative Billing Codes) Based on Complimentary and Alternative Medicine maintained by Alternative Link. Congenital A disease or disorder that is a result of genetic abnormalities, the intrauterine (uterus) environment, errors of morphogenesis, a chromosomal abnormality, or a complex mix and unknown factors. Some factors can include heredity, environmental, or behavioral. Congenital disorders vary widely […]
Autism Insurance Resources
California Autism Insurance Illinois Autism Facts Oregon Autism Insurance Pennsylvania Autism Insurance Information Department of Insurance and State Laws How to Fight a Health Insurance Denial, by Brie Cadman 49 States OTHER THAN CA: Autism Insurance Information Group List For parents and practitioners to learn about coding and insurance problems. CA ONLY: Autism Insurance Information […]
State Medicaid
This is a very important piece of the puzzle. Medicaid can pick up what your insurance company doesn’t pay, including co-pays. Also, if your HMO has strict limits to the number of visits, Medicaid would kick in and pay after those visits have been exhausted, if you are using a Medicaid provider. Most states have Medicaid (income-dependant) […]
Autism Insurance Legislation
There are a number of efforts happening throughout the country to get autism treatments, or at least ABA therapy, covered in states. Parents and advocates are working together to get coverage. You can help too. Keep reading. States that have insurance legislation in place (some better than others): Arizona: Effective June 30, 2009. Covers therapy costing as […]
Health Savings Accounts
A Health Savings Account (HSA) is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis. You must […]
What is ERISA?
ERISA is the abbreviation for the Employee Retirement Income Security Act. Let’s say you live in a state with a parity law – like California’s AB88. Wahoo! Right? Not so fast. Here is the glitch – The law only pertains to SOME insurance companies. The insurance plans that are self-funded, are exempt! Ouch. How do you know if your […]
Appealing Insurance Claim Denials
How Did We Get Here? Example 1 Your child has autism. Your child also gets sick, a lot. You take him to the doctor, again, to see what they can do to get him healthier. The doctor orders blood work that shows your child has a very weak immune system and multiple food allergies. The doctor refers […]
Insurance for Beginners
For those totally new to health insurance, here is a short primer to get you started. Before you begin, you need to know who is responsible to pay for what services (Who Pays For What – PDF). CPT (Code of Procedural Terminology) CPT is the code used to describe what treatment is being provided (i.e., […]
Insurance Pays For What?
For a more detailed understanding of who is responsible for covering which specific expenses please see our Who Pays For What information. The “Who Pays for What” document covers: Service Name Service Description Who Delivers Service Who Funds Service Links It also explains Coverage Types (SSI, Insurance, Medicaid, etc) as well as definitions of therapies […]
Dependent Disabled Adults: Continuation of Private Health Care Coverage
Most states have laws which allow parents to continue health plan coverage for their disabled adult children, even past the point at which a child’s eligibility for dependent coverage would normally terminate because of their age. California law, for example, allows coverage to continue if the disabled child can’t support him or herself by work […]
Supporting Research for Treatments of Autism
Appeal Resources for ABA The Latest from Autism Bulletin More on Colorado Autism Insurance Case: Q&A with Tappert Family’s Lawyer R. Craig Ewing is managing partner at Ewing & Ewing, the Englewood, Colorado law firm which represented the Tappert family, who recently won an arbitration case for their health insurer to cover autism-related services for […]