Does Maryland Mandate Insurance Coverage for Autism Therapy?
Yes, Maryland is one of the states that mandates insurance coverage for autism therapy.
According to the provided content, Maryland has a state mandate that requires insurance plans to cover autism therapy, specifically including Applied Behavior Analysis (ABA). This mandate is designed to make evidence-based treatment more accessible for children in the state.
However, it is important to keep the following details in mind regarding coverage:
- Exemptions: While many state-regulated plans must comply with the mandate, self-funded employer plans (known as ERISA plans) are often exempt from these state-specific requirements.
- Verification Requirement: Even with a state mandate in place, coverage is not guaranteed and is always subject to insurance verification.
- Cost-Sharing: Families may still be responsible for out-of-pocket expenses such as deductibles, copays, or coinsurance, depending on the specifics of their individual insurance policy.
Golden Touch ABA provides insurance assistance to help families in Maryland navigate these mandates and verify their specific plan benefits.
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