Louisiana's new House Bill 958/Act 648 requries insurance companies to cover the treatment of autism spectrum disorder for those under age 17 when ABA techniques are used. See the Govenor's Press Release for more information.
The Louisiana Developmental Disabilities Council website contains useful infomormation for parents and providers pertaining to autism and insurance including credentialing, billing, parent tip sheet, etc.
Parental Tips Regarding New Insurance Law
This brief provides
- Tips for parents seeking insurance coverage for ABA therapy
- Information on recent legislation (ACT 648)
- Summary of recent meeting with stakeholders, Insurance industry representatives, the Department of Insurance and Representative Foil (author of ACT 648)
Tips for Parents
Your ABA provider must enroll as a service provider with your insurance company. Ask your ABA (i.e. BCBA) therapist to request, complete and submit an enrollment packet to become a credentialed provider recognized by your insurance. This should be done ASAP! Determine whether your insurance plan meets the criteria for required autism treatment coverage.
IF IT DOES NOT
Even if your insurance carrier is not mandated to cover Autism Services by ACT 648 that doesn't mean that your insurance plan cannot pay for those services. Meet with your employer and tell them know how important this coverage is to your family. Your employer may elect to cover those services in their group insurance plan.
Educate your employer and co-workers about the Autism Coverage and how it could positively impact your attendance and productivity at work. Network and Join forces with other employees who have dependents with autism. Approach your employer together.
IF IT DOES
Autism Insurance Coverage mandated by ACT 648 will take effect on the renewal date of your insurance plan after January 1, 2009. Determine the date of renewal of your plan to know when to expect coverage for ABA treatment to begin.
Your BCBA therapist will be required to submit all insurance claims to the insurance company. Ask your BCBA therapist to submit claims for all ABA services under their supervision (including any line therapist) and reimburse you for those expenses after your insurance provides the coverage. (read more about this below)
If your insurance company is non-compliant with ACT 648 direct your complaints to:
Karen Reiners Winfrey, Deputy Commissioner
Office of Health
Louisiana Department of Insurance
P.O. Box 94214
Baton Rouge, LA 70804
(225) 342-1355 (800) 259-5301 Fax: (225) 342-5711
Email Karen Winfrey
ACT 648 of 2008 requires group health insurance plans to cover behavioral treatment or Applied Behavioral Analysis (ABA) and other related services for children with autism. After January 1, 2009 group health insurance plans renewed for employers in Louisiana with more than 50 employees will be required to provide an annual benefit amount of $36,000 per year with a lifetime limit of $144,000 for the diagnosis and treatment of autism spectrum disorders.
Summary of Department of Insurance ACT 648 meeting (12/10/08)
Highlights of a recent meeting between stakeholders, the Department of Insurance and insurance providers revealed:
Insurance providers indicated that they have received very few enrollment packets from providers of ABA treatment. Without being credentialed by the insurance plan the provider of ABA treatments will not be able to seek reimbursement. It is imperative that providers of ABA treatment request and submit an enrollment packet to become a credentialed provider with the Insurance provider of the parents they serve. This step is necessary to ensure that those parents whose insurance will cover this treatment have the costs covered by their plan.
Some insurance providers and their association representatives revealed that they intend to only cover costs for treatment provided directly by a certified behavior analyst through the Behavior Analyst Certification Board and were resistant to coverage for treatment provided by line therapists. Stakeholders agree that it is necessary to have high quality standards and that plans and treatment should be under the direction of a certified behavior analyst and any line therapist should be under the supervision and direction of a qualified BCBA provider. However, contrary to the interpretation of some insurance representatives on this matter, Act 648 explicitly states:
"Autism services provider" means any person, entity, or group which provides treatment of autism spectrum disorders.
Similar to insurance coverage for other health service delivery systems and as stipulated in ACT 648 the coverage for ABA treatment should provide for all treatment provided under the direction and supervision of a certified behavior analyst. Parents should not expect to be reimbursed for line therapists as individual providers but should seek reimbursement as part of the services provided by their BCBA therapist who is credentialed with their insurance company.
Parents encountering problems with insurance carriers providing payment for ABA services to treat children with Autism should contact the Louisiana Advocacy Center at 1-800-960-7705 to inquire if assistance is available.