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Volume 55

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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.

Insurance Coverage

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 HR 2413), 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).

Dear Craig:

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.

Kind Regards,
Josef


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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

Note: 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:

www.aspergerssociety.org/adult_book.htm



 

The Asperger's Syndrome Survival Guide Book Image

For additional information on Asperger's Syndrome go to the web site www.AspergersSociety.org. There you will be able to sign up for the free Aspergers newsletter as well as get additional information on the book, The Asperger's Syndrome Survival Guide.

Craig Kendall is the father of an Asperger's child and the author of "The Asperger's Syndrome Survival Guide". You can find more information about living with Asperger's Syndrome by contacting him on this site: www.AspergersSociety.org

 

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Thank you,

Craig Kendall, Author