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1 Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved Amy Weinstock, Insurance Committee, Advocates for Autism of MA Director, Autism Insurance Resource Center, New England INDEX
How We Passed Insurance Legislation Why the Autism Insurance Resource Center was created ARICA – What it does (and doesnt) do Implementation – Early Returns Next Steps Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 2
Representative LItalien, Senator Berry, Autism Speaks, and the AFAM Insurance Committee Leaders are visionaries with a poorly developed sense of fear and no concept of the odds against them – Dr. Robert Jarvik State (DHCFP) Mandated Benefits Analysis (copy available on our website) Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 3
Autism treatments are medically necessary and have strong evidence to support efficacy. Premium impact is modest –Approximately $1.84 Per Member Per Month (PMPM). Equivalent to 0.36% increase. Cost Benefit Annual medical care cost estimates should be considered in the context of potential societal savings outside the medical care system, including those realized in education, social security payments and workplace productivity Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 4
A Resource for Consumers, Providers, Employers, and Educators on Issues Related to Medical Insurance for Autism Treatment Information and referral by phone/ on issues related to Insurance Coverage for Autism-Related Treatments and Services Access to documents including Legislation, FAQs, Agency Bulletins, etc. Support for Employers and Individuals covered by Self- Funded (ERISA) Plans Webinars on Insurance Laws and Related Topics Focus Groups and Trainings Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 6
ARICA went into effect January 1, Implementation is based on each policys specific renewal date. Only affects certain types of policies. Private insurers State employees and retirees Hospital service plans HMOs Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 7
Self-funded plans, sometimes called ERISA Plans are regulated by Federal Law and not required to comply with State Mandates. Includes many of the States largest employers. Employees need to check with their HR Departments to find out if their plan is self-funded. Some ERISA employers may, as a matter of course, comply with ARICA; several have already done this. Outreach efforts are underway for companies that need more information or are deciding not to cover autism treatment. Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 8
Not subject to ARICA, but can provide assistance: MassHealth may cover co-pays and deductibles for ARICA mandated treatment covered by private insurance. The Premium Assistance Program can help subsidize purchase of private insurance policies and policies through Commonwealth Choice that will cover ARICA. Families covered by MassHealth with children under age 9, can also apply for the Massachusetts Childrens Autism Medicaid Waiver through DDS. People with autism are able to access some treatments through Early Prevention, Screening, Diagnosis and Treatment (EPSDT). Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 9
ARICA covers the following care prescribed, or ordered by a licensed physician or a licensed psychologist who determines the care to be medically necessary: habilitative or rehabilitative care; pharmacy care; psychiatric care; psychological care; and therapeutic care Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 10
From Mass General Laws, Chapter 207 of the Acts of 2010: This section shall not affect an obligation to provide services to an individual under an individualized family service plan, an individualized education program or an individualized service plan. Services related to autism spectrum disorder provided by school personnel under an individualized education program are not subject to reimbursement under this section. Under IDEA, schools may not require parents to access private insurance for services that are part of FAPE. Dept. of Elementary and Secondary Education (DESE) issued a technical advisory discussing ARICA in August, Available on our website. Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 11
Implementation is ramping up. Pace is consistent, or a bit faster, than the experience in other states. DOI issued a Consumer Advisory and two Bulletins Health Plans issued CPT codes for ABA Consumers and providers have lots of questions: Covered Treatments Credentialing by Insurance Companies Co-Pays, Deductibles Medical/Education Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 12
Two consumers called the major health plans (BCBS, Harvard- Pilgrim, Tufts). Identified themselves as a parent and grandparent of a child with autism. They have an upcoming open enrollment period and wanted to see a list of ABA providers from each plan to help them choose the best plan for their family: Good News – all the customer service representatives knew about ARICA (a change from consumers experiences earlier in the year) Bad News – Lists of ABA providers were inaccessible – either because the insurers havent established networks (BCBS, Tufts), or they are only accessible to members (Harvard- Pilgrim). Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 13
Many consumers with out-of-state policies are having trouble obtaining coverage. Behavior Analyst credential (BCBA) is not a license; this has made it difficult for some providers to get in-network with some insurers. Some insurers require copy of IEP as part of approval for ABA services. Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 14
May 2011 caller log entry: My Child was diagnosed with autism yesterday. The clinic gave me a huge packet of information. The resource specialist told me the first call I should make was to your Resource Center to figure out my coverage. We are here to help – contact us! Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 15
o Autism Insurance Resource Center o www.disabilityinfo.org o Advocates for Autism of MA (AFAM) o o Autism Speaks o o Contact Information: o Copyright © 2011 Autism Insurance Resource Center – All Rights Reserved 16
Amy Weinstock, Nan Leonard, JD, EdS, MHA, BCBA Insurance Committee, Advocates for Autism of MA (AFAM) Judith Ursitti, Director, State Advocacy Relations,
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