Health insurance can be complicated, especially when ABA therapy is involved. As an accredited ABA therapy provider, we know what you face as a parent of a child with autism. When you are faced with a fury of questions and don't know what direction to take, here is a common-sense guide to finding the answers.
There are two versions of health plans offered by employers to employees who are on group insurance plans:
Let your fingers do the walking and call your employer benefits representative or the member services number on the back of your insurance card or documents to ensure that your healthcare plan covers ABA therapy.
Since it's prevalent for younger children with autism to require up to 40 hours of ABA therapy weekly, a child-only plan can be a wise financial decision. This plan lets your child receive the recommended therapy time to address their condition intensively. An insurance plan that is child-only coverage through the Healthcare Marketplace is a viable option when you are looking to maximize benefits for only one family member.
Healthcare Marketplace plans can only be purchased during Open Enrollment periods unless there is a qualifying life event. Open Enrollment for the year 2022 is November 1 - January 15. Selecting a plan during Open Enrollment ensures you have coverage for the following year.
When looking for the right health plan, consider the following:
At NYTPS, we know you have many decisions regarding your child's care and ABA therapy solutions. Should you need any direction, please call our office or submit an online enrollment form, and we will help you create a learning environment for your autistic child that will benefit them far into the future.