Autism and Insurance: Is the law is on your side?

Autism and InsuranceThere are a lot of families are coping with autism these days. If you don’t know such a family yourself, consider the statistics: One in every 88 children is diagnosed with autism. Even more startling, one in every 50 boys  has autism. There is a child born every 8 seconds in the United States, and according to the US Census Bureau, more of those births will be boys than girls.

Parents of children with autism always receive the urgent recommendation that they get their child into therapy immediately. Sooner than immediately. “Early intervention is critical,” they are told. You must procure therapy right away and as intensely as possible. Do you want your child to be able to talk? Use the bathroom? Live independently? Get that therapy…Twenty Five, Thirty, Forty hours a week.

But therapy for children with autism is a financial hot potato. Insurance companies have refused to pay for it. Social services agencies play hide-the-peanut with confused parents until their children age out of eligibility (which is easy, since it happens at age 3, the average age of diagnosis). School districts then expertly picked up where they left off, ensuring that only the most determined and litigious parents received some portion of the therapy their doctors were recommending.

Full story of autism and insurance at the San Francisco Chronicle

Photos courtesy of and copyright stock,xchng, http://www.sxc.hu/