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Cerebral Palsy and Health Insurance.
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Cerebral Palsy and Insurance Paying for the necessary medical costs of cerebral palsy can be a daunting task, but there are other funding sources that can be utilized. Private health insurance can be purchased by the individual or be provided through a group funds, such as through an employer or trade union. It differs publicly funded insurance such as Medicare which is provided through the government. |
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Usually, if a child’s health care costs are covered through a private insurance agency, the coverage comes from a parent’s group coverage, included in his employment benefits. Such group coverage private insurance is most often a fee-for-service plan, in which the insurance company pays for a service after it has been delivered. These types of group insurance plans provided through an employer are usually the most generous, although benefits obviously differ from job to job. Plans that are obtained on an individual basis are generally far more restrictive, containing limitations on covered services and frequently denying coverage for preexisting conditions. For this reason, if you purchase private health insurance individually, it is possible that your child’s cerebral palsy costs will not be covered if it considered a preexisting condition. An additional well-known type of private health insurance, the Health Maintenance Organization (HMO), was created as a means to deal with the rising costs of healthcare. Not surprisingly, their primary goal is to keep the cost of healthcare low, (also called cost containment). HMO’s are generally administered through a primary care physician (the main physician for the individual) who refers the patient to other health care specialists when necessary. Many HMO policies specify a particular group of physicians within their network. Patients are only fully covered if those physicians treat them. Because private health insurance plans vary on such a grand scale, you must be sure to look closely at the details of an insurance policy before you accept it. You may end up having to pay a balance much larger than what your family’s budget can bear if you make any incorrect assumptions about covered services. When deciding which policy is right for your family, make sure to pay close attention to the limits on out-of-pocket liability (the total amount of money you will pay per family member and for the family as a whole), co-insurance maximum benefit levels, and deductible clauses. The out-of-pocket liability, also known as the “stop-loss clause,” is the cutoff point the insurance company establishes on a family’s out-of-pocket expenses for a given calendar year before the insurance company pays the full balance of further covered charges. Co-insurance is the portion of expenses that must be paid by the family after the deductible has been met, and the deductible is the amount of money a family must pay before the insurance company will pay anything. Home | Cerebral Palsy Causes | Cerebral Palsy Forms | Cerebral Palsy Conditions Home | Jobs | Estate Planning | Health Insurance | Letters of Medical Necessity |
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Please feel free to |
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Letters of Medical Necessity, IDEA, DDA & Bill of Rights Act, Americans with Disabilites Act, Rehabilitation Act of 1973, and Vocational Rehab. |