Will Health Insurance Cover Cerebral Palsy Care?
When you have a child with cerebral palsy, you have to prepare for the high cost of treating the condition. You will have to attend multiple doctors’ appointments, take medications, and may have to visit the hospital or undergo surgeries. You may also have to install accommodations in your home, invest in mobility equipment, or even hire a live-in caregiver.
Depending on the severity of the condition, you may have to take your child to various speech, physical, and occupational therapists. All of these treatments can add up significantly – and paying for these services out of pocket is not possible for most families. However, certain insurance companies do cover some of the costs of cerebral palsy care.
The Importance of Financial Support After a Birth Injury
Your child can suffer from severe injuries and symptoms due to his or her cerebral palsy. Your child can have difficulty walking and performing basic functions, such as chewing, swallowing, and speaking. He or she may struggle with performing daily tasks for him or herself, and may rely on a caregiver to perform these tasks. Muscle spasms, seizures, chronic pain, and weak muscle tone are only some of the symptoms that can arise from cerebral palsy.
Your child has many options to treat his or her cerebral palsy symptoms. He or she can obtain surgeries to correct issues such as a misaligned spine or muscle spasms. Your child can take medication to control spasms, seizures, muscle tone, and more. Your child can undergo therapies to help with speech, recreational and occupational activities, and physical movements.
However, these treatments can cost thousands and thousands of dollars without insurance – and millions when you consider the costs of long-term care. Luckily, you can take advantage of multiple health insurance programs and financial support services to fund your child’s cerebral palsy treatment.
Private Insurance and Cerebral Palsy
Finding affordable health insurance for children with cerebral palsy can be a challenge. The costs of supporting a child with cerebral palsy treatments can be very expensive and finding private insurance willing to cover these costs can be very difficult. Many insurance companies can deny your coverage based on cerebral palsy as a pre-existing condition. However, you can receive assistance through a number of government healthcare programs if finding a private provider is not possible.
Medicaid provides health insurance coverage to low-income Americans who qualify under its income requirements. Medicaid coverage varies from state to state, so you will have to check with your local officials to see if the program will cover cerebral palsy. If you receive SSI for your child’s disability, you automatically qualify for Medicaid. This program covers many health care needs, such as medications, inpatient and outpatient treatment programs, in-home nursing care, communication devices, and medical supplies.
Children’s Health Insurance Program (CHIP)
Not all families can qualify for treatment under Medicaid. If your income is higher than the Medicaid threshold but you cannot receive a private provider, the Children’s Health Insurance Program (CHIP) can provide the assistance you need. Depending on your state, you can receive coverage for hospitalizations, doctor’s appointments, medications, and other health care services your child needs.
Medicare is for elderly people or people with disabilities who need financial assistance for their health care. If you are seeking medical assistance for an elderly loved one with cerebral palsy, you can help him or her receive benefits under Medicare. Your child may also qualify under Medicare in certain circumstances. Depending on the type of Medicare you receive, your child or loved one can receive coverage for doctor’s visits, medications, mental health services, and home health care and medical equipment under certain circumstances.
Home Modification Assistance
Outside of insurance, you can receive other forms of financial support to help with your child’s cerebral palsy. If you need to make modifications to your home to accommodate your child, you can claim compensation through Home Modification Assistance. Under this program, your occupational therapist will visit your home and recommend modifications based on your child’s specific needs. Depending on your state or your child’s circumstances, you can receive funding through your child’s Individualized Education Plan, the Fair Housing Act, and the Department of Housing and Urban Development.
Special Supplemental Nutrition Program for Women, Infants, and Children (WIC)
Another non-insurance option for families and children with cerebral palsy is through the WIC program. If you struggle with providing your family with food due to the high costs of your child’s cerebral palsy treatment, WIC vouchers can help. You must meet residential, income, and nutritional risk requirements to receive WIC. The program provides food vouchers, nutrition education, and individual counseling for nutrition, breastfeeding, dental health, and more.
If your insurance company does not cover the cost of treating your child with cerebral palsy, other options are available. You can claim compensation for your child’s past and future medical expenses through a birth injury lawsuit. Contact Rosenfeld Injury Lawyers, LLC today to learn more about filing this lawsuit and to discuss your case.