Insurance denied coverage for ASD therapy
My oldest (10 yr old son) was diagnosed with high functioning ASD this summer. We are seeking out therapy for him-the psychologist that diagnosed him recommended ABA therapy and CBT therapy. We met with two places in town, and we just got a letter from our insurance company saying that our plan does not cover learning/ behavioral disorders. It says " no benefit will be paid for special education, treatment, or training for learning or behavioral disorder".
This seems ridiculous. I can see if he didn't have a diagnose, but he has autism. Has anyone else experienced this? What premise do I have for disputing this, and/or where do I go from here?
Insurance denied coverage for ASD therapy
Pretty typical. Insurance companies are so evil. They even deny routine benefits that are clearly Spelled out, like speech. But I’ve heard it is rare for them to cover the therapies you suggest without a big old fight or recent class action lawsuit as some parents filed in our state. And when they are excluded from coverage as looks like in your case, and pretty standard, an even bigger uphill battle. Might contact your state’s insurance commissioner. Sorry.
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