I was going through my email and I was quite surprised what I found. Federal Law is now mandating insurance companies to cover the cost for Autism Diagnosis. For families with Autism that a step forward. However, don’t assume that insurance company is covered but most will be. Hmmm I didn’t like that part of the article. The state of Wisconsin mandated insurance companies to cover autism. However like with everything there are loop holes for them to get around. If a company is under so many employees they don’t have to cover autism. Which really kind of irratates me as if it is mandated they should have no choice but to cover it.
I was told one minute by MY insurance company it was covered and the next thing I know I got a letter stating it was not medically necessary and they would not cover. Not medically necessary. Who are they to dictate that my sons Autism therapy is not necessarily. I think the insurance clowns need to learn a thing or two about autism.
So I am getting off the topic a little bit here. U.S. laws are now requiring many health care plans to cover the costs of autism screening. One out of ever 110 kids have autism. Getting diagnosed in the early stages is very crucial in treating children with autism spectrum disorders. Now new parents should know that the new federal health reforms require many insurance companies autism spectrum and developmental screenings for infants.
“Under the new Affordable Care Act, autism screening for children at 18 and 24 months must be covered without having to pay out-of-pocket expenses when these services are delivered by a network provider. The new federal reforms also require well-baby and well-child visits with physician’s visits every few months when a child is young,” Wrynn said. These new rules mean consumers cannot be charged a co-pay, co-insurance or have to meet a deductible to receive these services. The rules affect consumers who have new health plans or insurance policies which began on or after Sept. 23, 2010.Parents should also be aware that under the new federal reforms health plans are now prohibited from excluding coverage of pre-existing conditions for children ages 18 or younger. Lifetime dollar limits on essential health benefits have been prohibited for health plans issued or renewed on or after Sept. 23, 2010, and annual dollar limits will be gradually phased out.