Health care coverage for people with Asperger's

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picayunes
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17 Aug 2006, 10:13 am

As a 22-year-old part-time student living with my parents in Massachusetts, is there any way I can qualify to be covered by health insurance, either by a government program or a health insurance provider?

My parents have health insurance, but as I am not a full-time student, I do not qualify as a dependant.

Thank you so much. :)



courtney
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17 Aug 2006, 10:21 am

Many companies offer coverage to "developmentally disabled dependents", I left school at 16/17 and have been covered under my parents insurance because Autism is a develpmental disability. Since they've know about my dx since I was about 2 they sent us a form which we filled out and had to identifity my current neurologist. THey didn't even contact him, we just recieved a letter a few weeks later stating that since my mother had reached the minimum age for retirement I'm entitled to life long coverage with her company, even after she dies. It does become secondary to other insurance when she retires or dies (whichever is first) though.

If you quaifity for SSDI you'll get Medicare after two years. And if you ever get SSI you will get Medicaid, generally.

Some states have a buy-in program.

As long as your parents have kept good records of your disabilty from a young age qualifing for any of those should be relativily easy.



ljbouchard
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17 Aug 2006, 10:31 am

Depending on if someone is willing to pay for it, you may be able to get insurance on the open market. The only downfall is that ASDs will be considered a pre-exsisting condition and will not be covered for 6 month - 1 year.


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courtney
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17 Aug 2006, 10:47 am

Link to their programs including the low cost buy-in..

http://www.mass.gov/?pageID=eohhs2termi ... id=Eeohhs2



waterdogs
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17 Aug 2006, 7:34 pm

i'm on a health program called AHCCCS (Arizona Health Care Cost Containment System) im guessing its medicaid, its pretty sh***y as far has health coverage goes. i don't get to pick my doctor i get "assined one" it doesn't cover any dental (unless i have some kind of emergency) and doesn't cover any special types of doctors like therapists, counselors or anything like that.
unless they specifically take AHCCCS; wich most offices dont.



ADoyle
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18 Aug 2006, 2:56 am

I'm looking into SSDI or SSI myself, as the insurance my parents pay for is extremely expensive because of my Aspergers. I'm able to work, but since many employers don't offer insurance benefits, I'd be paying a stiff fee if I bought insurance myself, if they even accept me. The insurance I'm on now because it covered me previously, and in my state, there's a law that says that if you're already covered by one insurance company, that company can't deny you coverage because of any condition. Unfortunately, they charge you a fortune every month. Because of that, SSI or SSDI may be the best way for me to have decent health coverage. The insurance is the only reason I'm applying for the Social Security disability benefits as I'm perfectly capable of working and living on my own.


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ljbouchard
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18 Aug 2006, 6:35 am

If you are able to work at any job, then odds are, you will not be eligable for SSI/SSDI.


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Louis J Bouchard
Rochester Minnesota

"Only when all those who surround you are different, do you truly belong."
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Fred Tate Little Man Tate