Hi, I'm Craig Kendall, the author of The Asperger's Syndrome
Survival Guide. In today's issue we will discuss...
Will your insurance cover ASD?
According to the National Conference of State Legislatures website, The Centers for Disease Control and Prevention (CDC)
estimate that an average of one in 110 children have an autism spectrum disorder (ASD). More children
than ever before are being classified as having autism spectrum disorders. The CDC estimates that
up to 560,000 people between the ages of 0 and 21 have an ASD.
Most health professionals agree that early intervention treatment programs are important. Treatment
options may include behavioral and educational interventions, complementary and alternative medicine,
dietary changes or medications to manage or relieve the symptoms of autism. These treatments may
be costly. Some families may spend more than $50,000 per
year on autism-related therapies, such as applied behavior analysis. A study in 2006 by the
Harvard School of Public Health estimated that it costs $3.2 million to take care of an individual
with autism over his or her lifetime and that it costs society an estimated $35 billion each year
to care for all individuals with autism.
Some states require insurers to provide coverage for the treatment of autism. A total
of 28 states and the District of Columbia have laws related to autism and insurance coverage.
At least 15 states—Arizona, Colorado, Connecticut, Florida, Illinois, Indiana, Louisiana, Montana,
Nevada, New Jersey, New Mexico, Pennsylvania, South Carolina, Texas and Wisconsin—specifically require
insurers to provide coverage for the treatment of autism. Other states may require limited coverage
for autism under mental health coverage or other laws.
In 2009, Colorado, Connecticut, Montana, Nevada, New Jersey, New Mexico and Wisconsin enacted legislation
requiring insurance coverage for autism. Illinois enacted legislation requiring insurance coverage
for rehabilitative services for children with a congenital or genetic disorder, including autism.
In 2009, the Federal Autism Treatment Acceleration Act of 2009 (S 819 and
was introduced which provides for enhanced treatment, support, services and research for individuals
with autism spectrum disorders and their families. One component of the bill requires health insurance
coverage for the diagnosis and treatment of autism spectrum disorders under group health plans.
How do I find out if my insurance will pay?
First, call your insurance company. Find out what exactly they will cover and what they will
not. Many group health insurance policies will pay for diagnosis but not for on-going treatment.
Others will pay for treatment such as ABA but only if the therapist is "certified". You have to
know the rules.
Know the Law in the U.S.
For detailed information about your state and phone numbers to call to follow up visit the National
Conference of State Legislatures website: NCSL Website
International Insurance Coverage
It is impossible for me to know the coverage in every country. I have now received dozens of
emails from all over the world indicating that either a) their country has great coverage (i.e.
Canada) or b) virtually no coverage. I thought I would share with you this email because
it shows hope and success in a loved one with Aspergers (I edited it slightly to make the
English a bit more clear).
The treatment of my autistic son Josef is since [he was] 4 years [old], when [the]
first [Asperger's] syndromes [were] discovered, up to now, he is 29, 100% [of
treatment costs have been] covered by national insurance system. We pay additionally
small payments only.
He's got small invalid pension and is now in the special Evangelic Charge Home in
very nice small Czech town Klatovy. This pension covers the costs of his stay in the
Evangelic Home RADOST (Joy/Pleasure). He started there with painting (see some of
them on attached the pictures) and gets small money for bags with his painting which
he produce and the Home sells.
I send you few pictures of my son Josef
(1), his Home (2), a picture with the managing director of the Home (3) where Josef
is in the picture with her, (4) his paintings.
||My newly released book, the Asperger's Syndrome Guide for Teens and Young Adults
discusses bullying, anxiety, depression and what to do about it.
For more information click here
my newly released book on Aspergers for Adults discusses how to make and
keep friends, building relationships, employment, depression and the meaning of life,
therapy options and much more. Click here for more information: