Tuesday, December 11, 2012

FAQs on the 2009 Montana Autism Insurance Reform Law

1. What does the Montana law (Senate Bill 234) do? Broadly speaking, the requires many private insurers to begin covering the costs of diagnostic assessments for autism and of treatments for individuals with autism1. $50,000 per year for a child 8 years or younger2. $20,000 per year for a child 9 years through 18 The specific terms and provisions of this law are described in more detail in this FAQ document. 2. When did the law go into effect? Most sections of the Autism Insurance Act went into effect on January 1, 2010, including the provisions that require many insurers to cover services for autism spectrum disorder. 3. Is my employer-provided health insurance required to cover my child’s autism services? It applies to state, city, town, school district or other political subdivision of this state, university group insurance programs, and any self-funded multiple employer welfare arrangement that offers group health insurance coverage are required to offer autism services for children under the age of 18. It is not applicable to those employers that are regulated by the Employee Retirement Income Security Act (ERISA), otherwise known as self-insured employers. 4. Are there limits on what our private insurance is required to cover?

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