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  • #1 Red Flags & Checklist
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  • #3 Prioritize Concerns
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  • #3C Social & Daily Living Skills
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  • #5E Know Your Child: LAW & AUTISM
  • GALLERY SLIDESHOW
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    • DIAGNOSIS, DOCTORS, & DENIAL Extended Book Reviews
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    • SCHOOL ON THE SHORT BUS Extended Book Reviews
  • *WHAT TO DO while you wait. 1-5
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    • #2 What to do While You Wait: Diagnosis, Denial & Doctors
    • #3 What to do While You Wait: Try New Things
    • #4 What to do While You Wait: Programs, Therapies, & Interventions
    • #5 What to do While You Wait: Know Your Child
  • ExtendedBookReviews~
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  • A Friend Like Henry & All Because of Henry
  • No You Don't
  • Twirling Naked
  • Survival Guide
  • A Spot on the Wall
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  • Paula's Journal
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  • 101 & 1,001 Tips
  • Hello, My Name is Max
  • What Color is Monday?
  • Spinning in Circles
  • Miracles Are Made
  • Secondhand Autism
  • I Wish I Were Engulfed in Flames:
  • 3500: An Autistic Boy's
  • Ido in Autismland
  • The Journey to Normal
  • All I Can Handle
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  • The Horse Boy
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  • Autism: Turning on the Light
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  • Someone I'm With Has Autism
  • Making Peace with Autism
  • The ABC's of Autism Acceptance
  • The Long Ride Home
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  • Knowing Autism
  • Autism Belongs
  • A Real Boy
  • A Curious Incident of the Dog in the Night
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#3 PRIORITIZE CONCERNS
     with < My Thoughts > by Sara Luker

REPOSTING BLOG#5d rESOURCES & iNSURANCE

2/27/2020

1 Comment

 
Blog #5D (1-3) Resources & Insurance with < My Thoughts > by Sara Luker

< My Thoughts >     LOOK for RESOURCES in your area through personal contact or by searching online. My search was… "Autism Resources & Services near me."  Here is what came up
 (in alphabetical order) …
  • Autism Diagnosis Specialists
  • Autism Support Groups
  • Colleges and Hospitals with Autism programs
  • Community Autism Programs
  • Community Autism Service Providers
  • Easter Seals Autism Program & Phone list
  • Parent’s Guide to Autism
  • Physicians specializing in Autism
  • Respite Care for Autism
  • Schools with Autism Programs
  • Therapists Specializing in Autism
There are many more listings, I’m certain and of course there are many Autism Organizations, statewide and nationwide. There may even be those which offer free programs and clinics. Realize, of course, that they will probably ask to use your data for a study or research. Smiles.
 
< My Thoughts >     You may want to check all of your INSURANCE for evidence of coverage, also your spouse’s benefits, & limitations; deductible, co-pay, co-insurance, and network of providers available to you. This is in addition to checking on what is possibly free from your city, state, county, and government services.
  • Drug coverage
  • Urgent care
  • Primary care
  • Dental/Vision
  • Lab Services
  • Medical Equipment
  • Surgery
  • Therapists
  • Chiropractors
  • Home Health Care
Look for the deep pockets before you overextend yourself on your credit card or mortgage your home. But I did raise my credit limit. It’s a bit of a stress reliever to know I can use the card to take advantage of opportunities which may arise and that might speed up the process or put my child at the head of the line. Of course, I only use it when time is of the essence…I use caution…and exhaust all ‘free’ sources first.  

Siri, K. & Lyons, T. (2014) tell us to also remember once your child has an official diagnosis they are entitled to Medicaid, which has some pros and cons. Your child can qualify for Supplemental Security Income (SSI), but this and the Medicaid benefits will only go so far. If either parent is a veteran, there may be VA benefits or services available. Check online for biomedical treatment options covered by TRICARE (Military entity). Also check on Supplements, Respite Care and other programs like STOMP and Autism Salutes (also military).
 
Keep track of medical expenses for tax season and know the name of the “Commissioner of Insurance” for your state, should you get the runaround from your insurance plan. You are most likely entitled to Medicaid and a Handicapped Parking sticker for easier access to buildings providing services for your child. The DMV has paperwork to be filled out by your physician.

< My Thoughts >           “…tax season…”
 
Check with your tax preparer, before Tax Season! Even if you hold a fulltime job elsewhere, you still may qualify as a ‘paid’ caregiver as the parent or grandparent of a Veteran’s disabled child. Yes, autism is considered a disability, as hurtful as that may sound.
 
Check all insurance policies of both parents. Which one will provide your child with more coverage? This may also help you decide which parent may have to reduce or rearrange their work schedule to meet the needs of your child’s many appointments and therapies.

While there is some help from the government (for medical bills), most notably Medicaid, there is not nearly enough. Your child may qualify for Supplemental Security Income (SSI), but this and Medicaid benefits will only go so far. You will likely dip, if not drain, savings… especially if you pursue alternative therapies. Remember that insurance is a business – your provider wants to take in more money than it pays out. This is definitely an area in which the squeaky wheel gets the grease.
 
Parker (2017) suggests that Medicare is pushing payments based on clinical outcomes. He reminds readers that it takes a village of doctors, counselors, therapists, medical professionals, specialists, and agency administrators, and of course parents to create a ‘best possible life’ for those with autism.
1 Comment
Melinda Dean
3/5/2020 05:51:02 am

Hi Sara! I am trying to get ahold of you and wanted to know if you are going to be coming with the seniors next Wednesday, 3/11; and also if you are interested in tutoring one of my students.

When you get this can you email me and I will send you my phone in the email. Thanks so much and I hope we get to see you next Wednesday.

Melinda

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    My purposes are 'educational' in nature.  My hope is that this is a place for 'First Responders' and the 'Battle Worn' alike to find information, take solace, and to help one another, in the name of Autism.  My commitment is to deliver hope, insight, and a realm of possibilities to all who enter this site. 

    ​Disclaimer: Just to let you know that I, Sara Luker, have put forth my best efforts to create the extended book reviews presented here on this website. I have permission from the authors to publish these Extended Book Reviews. This is just a sharing of stories of those who have gone on before you.

    My input as noted by <My Thoughts> are just that... my reflections as a parent, educator, and author. The ideas or considerations presented are given only as hopefully helpful to the viewers relating to the topic or subject.

    Any REFERENCES to websites, professional journals, and/or printed material, including eBooks, are solely for educational purposes. I have no involvement in sponsorship or financial interests in these sources.

    ​Please, understand also that all health matters ALWAYS require professional medical decisions, diagnosis, and treatment by highly qualified and licensed individuals.
    ​
    Regards,
    Sara Luker

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