Ohio Autism Insurance Coalition

Resources related to accessing benefits for autism treatments for all stakeholders: individuals with autism and their families, employers, insurance carriers, legislators, providers, government, regulators, advocates and educators.

Autism Law

Mental Health Parity and Addiction Equity Act (MHPAEA) “Parity Act” – Federal and State Law  (impacts all health plans)

Passed in 2008, MHPEA is a federal law that generally prevents group health plans and health insurance issuers that provide mental health or substance use disorder (MH/SUD) benefits from imposing less favorable benefit limitations on those benefits than on medical/surgical benefits. MHPEA ended discrimination in mental health & addiction insurance coverage.

The Federal Parity law’s mission is to stop the following from occurring:

  • Additional financial requirements (co-pays and forced to use out-of-network providers)
  • Stricter medical necessity criteria
  • Burdensome prior authorizations process
  • Treatment limitations or fail first treatment options have to be exhausted.

Under Federal Parity Law, there are two parts of the law that now have parity with each other: surgical (medical) and mental health condition (DSM-5). Autism Spectrum Disorders is listed as a mental health condition in the DSM-5.

Ohio’s Health Plans that must follow Federal Parity Law

MHPEA (federal law) is not fully implemented or enforced in Ohio. Links to federal law –Programs & Initiatives     FAQs

Ohio’s Parity State Law only covers eight conditions and does not cover autism. Link to state law – Ohio MH Parity Law

Medicaid Federal Mandate: EPSDT. The T stands for Treatment, Yes, ABA!

The Early and Periodic Screening, Diagnostic and Treatment (EPSDT) benefit provides comprehensive and preventive health care services for children under age 21 who are enrolled in Medicaid. EPSDT is key to ensuring that children and adolescents receive appropriate preventive, dental, mental health, and developmental, and specialty services.

EPSDT Services – States are required to provide comprehensive services and furnish all Medicaid coverable, appropriate, and medically necessary services needed to correct and ameliorate health conditions, based on certain federal guidelines. Link Medicaid.gov & EPSDT Information 

  • Early: Assessing and identifying problems early
  • Periodic: Checking children’s health at periodic, age-appropriate intervals
  • Screening: Providing physical, mental, developmental, dental, hearing, vision, and other screening tests to detect potential problems
  • Diagnostic: Performing diagnostic tests to follow up when a risk is identified,
  • Treatment: Control, correct or reduce health problems found.

Autism Speaks EPSDT Tool Kit 

Medicaid-Center for Medicare & Medicaid (CMS) Bulletins on Autism Treatments in Medicaid

Medical Necessity Rules & Definitions

Unfortunately, our current healthcare system allows each payer, including Medicaid, to define what is or is not medically necessity.

Elements of Medical Necessity Medically necessary generally refers to treatments that:

  • ameliorate or manage symptoms
  • improve functioning and/or
  • prevent regression or deterioration.
  • Other considerations:
    • utilize evidenced-based interventions or generally medically accepted treatments
    • goal is to remediate deficits, signs and symptoms of the condition being treated
    • treatment plans specify frequency, intensity and duration of treatment that is considered to be clinically appropriate.
    • ABA is an evidenced-based intervention and the generally medically accepted treatment for symptoms of Autism Spectrum Disorders

Plan Types and their definitions of Medical Necessity

Insurance Mandate – Ohio

Passed in December 2016, read the legislative language of the Autism Mandate HB 463 Autism Mandate Legislative Langauge

What are the benefits and differences between the Autism Directive and the Autism Mandate? Autism ACA Directive VS Autism Insurance Mandate – What is the difference

Autism Directive Benefits in ACA – Ohio

Read Governor Kasich’s letter to CMS that added the Autism Directive into the ACA ACA Essential Health Benefit for ASD, Governor Kasich’s Letter to CMS

 

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