Reply to Get insurance coverage for child through both parents’ plans to help cover therapy?

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Reply to "Get insurance coverage for child through both parents’ plans to help cover therapy?"

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[quote=Anonymous]We also have multiple appointments (ST, OT, etc. ) for our child, and there is a 60 visit cap--unless medically necessary--so we've been able to get coverage approved beyond the 60 visit cap. I've also found it helpful to see if your insurance can assign you an advocate (for example, BCBS has one for autism) who can help you navigate approvals for medically necessary treatment beyond the caps. This has helped us tremendously. You may want to ask your HR department to see if they can contact your insurer to help put you in touch with an advocate (internal to the insurance coverage). If your child has a disability such as autism, which often has state mandates for approval of certain therapies, that is often very helpful to note in your conversations with insurers. And, it sounds like you are doing this already, but document every call, every interaction you have with insurance. I have sadly filled several notebooks with this, but it is very helpful in the long run.[/quote]

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