How do I get diagnosed and get treatment for aspergers?

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Ticker
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24 Nov 2007, 10:22 pm

Eire wrote:
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What do you mean insurance can discriminate if you have Aspergers? How do you mean they discriminate?

I just rented Michael Moore's movie Sicko the other day. He listed a bunch of health issues that would cause insurance companies to reject your application for insurance and I noticed Autism and Aspergers were listed.


What are you talking about? There is no "application" to get health insurance. I have insurance through my employer and have never had to apply for it. Its one of the benefits offered if you want it. They do not descriminate on pre-existing conditions at least not in my state. Now insurance may deny some treatments for ASD but like someone else said its because most are experimental and often turn out to be bogus. Or because the treatments consist of vitamins and supplements which are never covered by insurance for anyone. And things like speech therapy do not usually come under health insurance so no one gets covered for that.



Eire
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24 Nov 2007, 11:20 pm

Ticker wrote:
Eire wrote:
Ticker wrote:
What do you mean insurance can discriminate if you have Aspergers? How do you mean they discriminate?

I just rented Michael Moore's movie Sicko the other day. He listed a bunch of health issues that would cause insurance companies to reject your application for insurance and I noticed Autism and Aspergers were listed.


What are you talking about? There is no "application" to get health insurance. I have insurance through my employer and have never had to apply for it. Its one of the benefits offered if you want it. They do not descriminate on pre-existing conditions at least not in my state. Now insurance may deny some treatments for ASD but like someone else said its because most are experimental and often turn out to be bogus. Or because the treatments consist of vitamins and supplements which are never covered by insurance for anyone. And things like speech therapy do not usually come under health insurance so no one gets covered for that.


I'm talking about the documentary I saw. I have very little knowledge about insurance because I've always been covered under my parents and probably will be for a few more years. I'm not going to quote everything Michael Moore said in his documentary because I don't have anything to back it up with. However I did find this in Wikipedia:

Quote:
Health insurance underwriting is the process that a health insurer uses to balance potential health risks in its pool of insured people against potential costs of providing coverage. To conduct medical underwriting, an insurer asks people who apply for coverage (typically people applying for individual or family coverage) about pre-existing medical conditions. In most U.S. states, insurance companies are allowed to ask questions about a person's medical history in order to decide whom to offer coverage, whom to deny and if additional charges should apply to individually purchased coverage.



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24 Nov 2007, 11:28 pm

Ok you are basing this on a movie?? I've seen Sicko. But at lot of it is half-truths or pure B.S. For instance I know and talk to people in Europe and they aren't bragging on their health coverage like Michael Moore is. But that's another story.

I think the only time a person "applies" for insurance is in the case of Life insurance which isn't the same as Health insurance. Or maybe if they apply to privately purchase health insurance they may have to apply. But most people in the US with health insurance do not purchase it privately because its un-Godly expensive that way. Most people get insurance through their employer or else through Medicare or free state programs.



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24 Nov 2007, 11:34 pm

Ticker wrote:
Ok you are basing this on a movie??


Yes, that's what I said twice. Since I don't have any personal experience with health insurance I'm referring to what I've heard and read about it.



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24 Nov 2007, 11:36 pm

Seeleah I don't think your question ever quite got answered and we got sidetracked on this post. Anyway start with a college counselor because those are free. You can also get diagnosed by any kind of medical doctor. I've been diagnosed 3 times- by a GP, neurologist and a neuropsychologist. I think the neuropsych diagnosis is the most binding and technically speaking they are a little more able to detect affective disorders or co-morbid conditions. There are a few things that are similar to Aspergers but not the same and many people get missed that might truly fall under one of those diagnoses.



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25 Nov 2007, 8:44 am

Ticker wrote:
What are you talking about? There is no "application" to get health insurance. I have insurance through my employer and have never had to apply for it.


I also receive health insurance from my employer. However, not everyone is so fortunate. Some people, including the self-employed, do need to apply for it, and many of them get turned down.


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25 Nov 2007, 8:53 am

There's difference between the reactions of state insurances and private insurances where I live. An ASD diagnosis only matters if one wants to apply for a private insurance. An autistic person wouldn't get it or would have to pay lots of money.



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25 Nov 2007, 8:56 am

nominalist wrote:
Ticker wrote:
What are you talking about? There is no "application" to get health insurance. I have insurance through my employer and have never had to apply for it.


I also receive health insurance from my employer. However, not everyone is so fortunate. Some people, including the self-employed, do need to apply for it, and many of them get turned down.

My father is also one who has to apply for it, despite the fact he makes decent money where he works. He has been turned down for insurance twice.


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25 Nov 2007, 1:16 pm

I think mainly, that because insurance companies don't make money paying out on claims.
Insurance companies make money not paying out on claims.

I have to apply for insurance every year, because most companies renegoatiate to lower, or at least not raise, the total cost of insurance for their company. I've been seeing this for many a year (decade), and what's not covered gets longer and longer.

Since there's no cure for Aspergers, it would be a chronic condition, according to some insurance staff (which are not nearly as knowledgeable as they may feel). Alternatively, it's a 'pre-existing' condition, another 'I'm off the hook for that one' thing.



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25 Nov 2007, 4:09 pm

Then perhaps people shouldn't readily admit they have Aspergers. If you don't tell your doctors or fill it out on a medical form no one is going to know. But for all the youngsters who's parents had them slapped with a label in childhood having the Aspergers diagnosis could be a real problem for them in the future.

I think I will get it removed from my hospital record and say it was a misdiagnosis and was decided I really have Ataxia or ADD or something.