What are the Age Limits for the Autism Insurance Mandate in Maryland?
In Maryland, the autism insurance mandate provides broader protections compared to many other states. According to the state’s regulations:
- Coverage Age Limit: The mandate covers individuals up to age 21.
- Services Covered: Covered treatments include Applied Behavior Analysis (ABA) therapy, speech therapy, and occupational therapy.
It is important to note that these state-level requirements generally apply to state-regulated (fully insured) plans. If you are covered by a self-funded ERISA plan (often provided by large employers), the plan may be exempt from state mandates.
Because coverage is subject to verification and is not guaranteed, it is recommended that you:
- Contact your insurance provider directly to confirm specific benefits under your plan.
- Request a written summary of benefits to identify any potential annual visit restrictions or spending caps.
- Demonstrate medical necessity through a formal diagnosis and treatment plan from a licensed professional to unlock these benefits.
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