Reply to OT for hypotonia not covered by insurance?

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Reply to "OT for hypotonia not covered by insurance?"

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[quote=Anonymous]If your insurance policy is issued in Maryland or DC, your plan is *not* self-funded, and your child is under 21 (under 19 in Maryland) then your child can receive services under state mandates that require coverage for habilitative services. "Habilitative services" are "services, including occupational therapy, physical therapy, and speech therapy, for the treatment of a child with a congenital or genetic birth defect to enhance the child's ability to function." (Maryland statute.) I was able to get my insurance to cover my daughter's OT and PT for hypotonia with a doctor's report that stated that the hypotonia was present from birth, but I did have to fight my insurance company for a few weeks to get it. In DC and Maryland, services for ASD are also covered under the mandate. Your typical copays will apply, but by law (at least in Maryland), the number of visits can't be capped. Here is a link to the Maryland law:
http://law.justia.com/codes/maryland/2010/insurance/title-15/subtitle-8/15-835/
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