My name is (me) and this is my husband. Our
son B. was diagnosed with Autism when he was just 2 years old.
We have 2 boys who are 15 months apart. B is our
youngest. He was and is the happiest kid you’ll ever meet. His laugh is
infectious. But he is not like other kids. At the time of his diagnosis, we
were told that he functioned at the level of a 3-6 month old – a full 2 years
behind in development. He constantly jabbered but he had no functional
language. Not only was he unable to express himself, but he seemed to have no
understanding of anything we said to him. In the community, he would bolt with
no regard for his safety. One of our most terrifying experiences was when he
wandered off at an amusement park and was lost for what was only a few minutes
but seemed like an eternity. We were very fortunate to find him nearby as he
would not have known that he was lost, could not have asked for help and
wouldn’t even respond to his name if called. It was terrifying to have such a
vulnerable child and we feared for his future and the future of our family.
We were told by every medical professional we met that we
needed to get him early intervention therapy as soon as possible and that it
was the only proven therapy to address his needs.
And then we were told that this therapy was not covered by
insurance, was very expensive and that we would have to jump through hoops to
get it. In as expedited a manner as possible, we were able to get started in
intensive ABA therapy. It took 8 months. And in that excruciating waiting
period, we tried our only other alternative for treatment which was Special Ed
services through the school district where his development stalled at best.
We are now in our third year of ABA and B is not the
same kid. Today, he is fully potty
trained and able to perform the same self-care rituals as his older brother.
His receptive language has grown leaps and bounds and he can understand and
follow commands. His speech is still significantly delayed but he is able to
communicate his wants and needs with simple requests and has shown tremendous
potential for reading and typing. He has already exceeded his brother in
learning sight words and we have great hope for how this can help him find his
voice in the future.
We initially used TEFRA (Medical Aid) to help pay for this
essential therapy. But when my husband became self-employed, our parental fee
TRIPLED to a monthly payment that exceeded our mortgage. His income is variable
and my full-time job is taking care of our kids so this is not a sustainable
price for our family. I’m not sure that it’s attainable for any family. We looked to MCHA and for 6 months, we paid
the steep TEFRA fee and the MCHA premium AND the monthly premium for our
private insurance plan for the other members of our family. After the 6-month
waiting period, we were able to drop our TEFRA coverage but we still pay for
MCHA and very pricey private insurance.
You can’t put a cost on this kind of benefit. Without it,
our son’s future and our family’s future is grim. But we can only sacrifice so
much and there comes a point when the money is simply not available. Without
MCHA, we don’t have another viable option.
Unfortunately, the Affordable Care Act seemingly makes this
coverage unnecessary since our child can no longer be denied insurance because
of his diagnosis. We are told that MCHA is going away because we don’t need it
anymore. This is simply not true. Insurance companies continue to deny coverage
of the ABA treatment we depend on and at this point, the ACA does not cover
intensive ABA. Therefore MCHA is still necessary until ObamaCare includes
behavioral health treatment. If MCHA
goes away before families like us have other viable insurance, the consequences
are very, very high. Without it, the state will have to use Medicaid to pay for
this treatment which will cost taxpayers much more and will be unaffordable for
many who desperately need it.
But it’s more than money – it’s the future for these kids
and their families. And it’s even bigger than that. The state as a whole will
be greatly impacted by every child who is denied the treatment that could
enable them to become a contributing member of our community rather than a
drain on our taxpaying dollars.
Please confirm MCHA’s commitment to cover ABA and other
autism treatments until they are included in Minnesota’s ACA essential health
benefits set. The stakes are simply too
high. Thank you for your time and attention.