I'm sorry you are in this situation. Very, very frustrating! Our insurance does not cover the diagnosis of ASD or any treatment for it. They simply don't cover speech or OT, period, irregardless of the diagnostic code submitted. It's really kind of mind boggling.
Best of luck to you and your family.
livsparents,
I am so sorry for what you are going through. So sorry it had to get to that. I have heard of other families put in financial jeopardy due to medical expenses. Did you try to see if your child could qualify for medicaid and SSI? Do you have a case manager? A good case manager would be able to help get your child some help. I know what you are talking about too well. You cannot believe what our out of pocket expense is! If you have no case manager try and get one so your child can get some help. GoodLuck.
Concernedpa.
PS: Don't be embarrassed, it is not your fault your child has this medical need.
Sometimes things just happen. Hold your head up and remember your child. Things will get better not just financially or emotionly, but you'll see an improvement in child. Keep smiling.
sprianne
Its only money honey ;). In time it can be replaced but with our children time is of the essence, they need all the help they can get as early as they can. Do not be embarrassed that you chose to help your children, be embarrassed that you did nothing for them, and it sounds like you are doing everything that you can. This is exactly why our Congressmen and woman need to get off their a$$ and help our kids. Insurance companies suck and I think sometimes that they will burn for how they treat people. You hang in there and God Bless you!!! If you need us to listen, we are here.
Kim
I'm sorry to use your boards for my personal confessional. We went to a bankruptcy lawyer today. I'm half way beween embarassment and defience. In general, we've spent some 25K per year over the past 3 years on OT, ABA and Speech; maybe 10K per year on biomedical therapies (nutritional, testings, other suppliments). I feel like a freekin criminal, but then again, not. Why should I have felt the need to limit the therapies my daughters received simply because the government and private insurance companies decided that they are not worth it? Why should we have to come to this????