Insurance premium help — shorter waits, more providers
Getting your child seen sooner, by more of the providers you actually want.
The premium is not really the point — access is. Many clinics keep separate waitlists by insurance, and the wait for a diagnostic evaluation on Medicaid is often far longer than the same clinic’s wait for a child with commercial coverage. Some good providers take only a limited number of Medicaid families, or none. Commercial coverage can also widen who your child can see for speech, occupational and physical therapy, and for medical specialists outside your current network. Where the monthly premium is the only thing standing between your child and that access, we may be able to carry it.
Who it is for: Families whose child is waiting too long, or cannot get in to the providers they need, and who have access to a commercial plan they cannot afford to carry.
What we do
- ·Work out whether commercial coverage would genuinely get your child seen sooner — we call the clinics and ask what each waitlist actually looks like
- ·Check which ABA, speech, OT, PT and medical providers open up under the plan, and which you would lose
- ·Confirm the plan really covers ABA, and at what number of hours, before anyone commits to it
- ·Look at whether you can keep Medicaid alongside a commercial plan, which often gives you the access of one and the low out-of-pocket cost of the other
- ·Pay the premium directly where approved, so coverage never lapses mid-treatment
What we will need from you
- ○Which providers you have contacted and what you were told about waiting
- ○Your current coverage, and details of any plan you have access to
- ○The monthly premium amount
- ○Household size and monthly income
Commercial coverage is not automatically better — it can mean higher out-of-pocket costs, and for some families Medicaid or ATAP is the stronger route. We will tell you honestly if that is your situation. Funding is limited and every request is reviewed case by case.
Ask for this assistance