OT - Aspergers and insurance

[Schmeck]

I'm not disagreeing that all medical expenses should be considered equal, just wanted to point out that in the USA, in this economy, with this government, I expect that insurance rates will increase significantly (and copays could too!) if this situation were to happen. We don't get anything for nothing here, do we? So, while you think you'd be paying less, somehow it will end up that the insurance companies will make us pay more...

 

[Judy from Boise]

In our city lasy year Blue cross posted a profit of about 33%,
the rehabilitation hospital where i worked had a budget that if met would of brought 2% to the bottom line. We met our expense budget, but not the revenue budget....so we actually lost money by giving excellent care to the disabled .

The cost are out of control for the consumer, because the govt allows health insurnace companies to be for profit and focus on making ridiculous returns to their shareholders.

 

[Starr W.]

When we went to have DS 10 diagnosed, the developemental ped.'s nurse told me exactly how to have the referral written to them by the primary so it was covered. His OT and ST(all done by now) were covered for xtimes, then I payed cash. He now attends 2x/month a class that works on gross motor & social skills. I pay cash($45 per session) as it is cheaper than running through insurance/co-pay. The provider is out of network, so it's more.

He was enrolled in our county preschool, which handles 'special needs' and typical children. It was so good, his younger "typical" brother is attending now with the same teacher.

Our school district has been wonderful(trust me I was suprised). He gets APE at school, he's caught up with his reading(change to IEP coming) to do LA in the class. He only goes to the special ed. teacher for taking tests(not spelling) for the extra time. He's a straight A student. I guess we are lucky, as one of the 4th grade teachers told me this will be the 4th year they have had an AS child. Only thing I really need to do is for his review, have his developmental ped. write down he is diagnosed with AS.

 

[mrClen]

Only 5 or 6 years ago insurance premiums seemed very affordable with fantastic coverage to match. Well you could also check oneshopinsurance(com) i got to see (i.e. Geico, Progressive) insurance companies current rates, quite funny to see though, if you're an individual or family who pays for insurance today chances are you're literally getting punched in the pocket book, and it hurts.