I had a phone conversation today with an intake/insurance specialist about setting Avery up with a speech therapist starting in January for when our insurance starts over. See way back in July we learned that we maxed out of Avery's insurance for therapy. She is only allowed 60 1- hour sessions. My husbands company does not have to abide by the Illinois Autism Insurance Mandate because they are a self funded policy. See this post for when we found out: bad news.
So the clinic I talked to today asked me if we had ever thought of getting a supplemental insurance policy for Avery that would be covered by the state mandate. Um say what? No I never thought of it. Plus no, nobody ever, ever mentioned it to us that that could be or should be a possibility.
The guy on the phone basically said well if you end up paying a larger amount of money for out of pocket expenses it could be worth it to spend the money on a policy so that the mandate picks up the big bulk of it. Make sense? In the long run if you have to have a deductible of a couple thousand it would be worth it to get up to 36K in other benefits.
For Avery we are thinking it would be worth it. We really want her to have more speech therapy than what she is getting at school and more diverse therapies such as to try ABA out for awhile and see what happens. Majority of the time we feel we aren't doing enough for her and if this gives her more of a chance than what's the problem with at least trying right?
So what I am asking you my small amount of readers is, have you gone that route to bypass a crappy work supplied insurance situation? If you have gone this route what has been your experience? Was the out of pocket cost per month worth the therapies you received?
If you have a blog and think this might interest others who might have more experience with insurance and Autism would you please share so I can see what others might say? Thank you!