This is what needs to be discussed ... anyone who every filed an insurance claim knows that the first question is : Is it covered ? Sad to say but too many parents found out that even if having insurance did not mean that the insurance would cover their child's needs. Take for example, this story
When our son was born with a hearing loss, we went through a period of grief and acceptance. We were ultimately grateful for the early discovery, as it meant he would have access to the world of sound at a very young age. We were dismayed when we learned that our health insurance plan would not cover hearing aids, as they are considered a “lifestyle choice” rather than a medical necessity. For a child who could not develop spoken language without access to sound, we were astounded that hearing aids could be regarded as a lifestyle choice! We paid $5,000 out of pocket for his first set of hearing aids, when he was four months old. We didn’t have knowledge of any programs that would help pay for a child’s hearing aids, so we took some kind donations from family to help finance his new “ears.”
The Affordable Care Act is designed to have minimum coverage levels ... so hearing aids would be covered.
Yesterday, insurance companies dictated what they would cover, now there is a minimum ... and people can actually shop and know that they will have that same minimum coverage whichever policy they choose.
- See more at: http://mnpoliticalroundtable.com/2013/10/11/shutdown-kline-using-children-as-a-political-shield-and-to-push-business-tax-cuts/#sthash.TJTrpjbr.dpuf
This is what needs to be discussed ... anyone who every filed an insurance claim knows that the first question is : Is it covered ?
ReplyDeleteSad to say but too many parents found out that even if having insurance did not mean that the insurance would cover their child's needs. Take for example, this story
When our son was born with a hearing loss, we went through a period of grief and acceptance. We were ultimately grateful for the early discovery, as it meant he would have access to the world of sound at a very young age. We were dismayed when we learned that our health insurance plan would not cover hearing aids, as they are considered a “lifestyle choice” rather than a medical necessity. For a child who could not develop spoken language without access to sound, we were astounded that hearing aids could be regarded as a lifestyle choice!
We paid $5,000 out of pocket for his first set of hearing aids, when he was four months old. We didn’t have knowledge of any programs that would help pay for a child’s hearing aids, so we took some kind donations from family to help finance his new “ears.”
The Affordable Care Act is designed to have minimum coverage levels ... so hearing aids would be covered.
Yesterday, insurance companies dictated what they would cover, now there is a minimum ... and people can actually shop and know that they will have that same minimum coverage whichever policy they choose.
- See more at: http://mnpoliticalroundtable.com/2013/10/11/shutdown-kline-using-children-as-a-political-shield-and-to-push-business-tax-cuts/#sthash.TJTrpjbr.dpuf