Autism and insurance
I am wondering if anyone else here is going through the same thing I am with autism and insurance.
I have 2 boys: one has Asperger's and the other PDD-NOS. They require Applied Behvioral Analysis (recommended by both their pediatrician and independent analysts) and OT.
In my last 2 jobs, my employer has implemented a "self-insured" health benefit for the employees: this means that even though state law requires insurance companies provide an ABA and OT benefit for autistic children, the self-insured plans don't have to abide by this. The consequence of this, is my kids get ABSOLUTELY NO autism benefit or treatment. I have to pay for everything out of pocket, and I can't even use a HSA.
The school district will not provide ABA, and will only give 1 hour a week individual help for my son with PDD-NOS.
I currently spend almost $1000 a month on my kids' care.
So the question is this:
1. With Obamacare, will the insurance companies have to provide a minimum amount of autism coverage? Or will this continue like it is, where people in self-insured plans (almost 40% of companies have these) will be chronically underinsured.
2. Do I have any other options at all, or am I just out of luck? I can't change jobs right now--and even if I did, I would likely end up in another self-insured plan.