After years of frugal living and careful saving, Mark and Susan Johnston finally got the place of their dreams: a four-bedroom house in a new development where their kids, Conner and Madeleine, have room to roam.
But two years after moving in, the walls are still white. Only one window has curtains. Though the couple would like to paint, add new furniture and spruce up the backyard, those plans are on hold, along with regular family vacations. After paying $1,300 a month for one-on-one therapy for Conner, who has autism, there’s little money left for splurges.
The therapy, known as applied behavioral analysis, or ABA, uses repetition and reward to help people with autism develop skills they can build upon. Conner works six days a week for three hours a day practicing words and sounds with University of Delaware students. In a year and a half, the 5-year-old has gone from having no vocabulary to more than 100 words. Recently, he’s started pointing and telling his parents he wants juice when they offer him milk.
“This wouldn’t be a big deal for most families, but this is huge for us,” said Conner’s father, Mark Johnston.
Though ABA is considered a standard therapy for children with autism, it isn’t covered by most private insurance or Medicaid in Delaware. That means families often have to pay out of pocket for ABA and additional speech, occupational and physical therapies they believe help draw their children out socially and emotionally. In some cases, parents are able to have extra services covered, but only after spending hours on the phone with medical and insurance personnel and haggling over diagnostic codes that would qualify their children for treatment.
A bill introduced last month by state Sen. Liane Sorenson, R-Hockessin, aims to help families burdened by the cost of paying out of pocket for autism-related services. Senate Bill 204 would require private insurance companies to cover the cost of services related to the diagnosis and treatment of autism disorders up to age 21, including up to $50,000 a year for ABA alone. The legislation was drafted by Autism Delaware, a statewide advocacy organization, and the office of Delaware Insurance Commissioner Karen Weldin Stewart.
Mandating insurance coverage for these services can not only save families money, it also increases the odds that children with autism will grow up being able to communicate and participate in the world around them, said Susan Jennette, investigative supervisor for life and health insurance with Weldin Stewart’s office. Fifteen other states, including Pennsylvania and New Jersey, already have private insurance mandates for autism.
For many parents, it’s also a matter of fairness.
“If your child had any other sickness, they would get the help they need,” said Johnston, who believes the financial sacrifice his family makes is well worth it based on Conner’s success since starting one-on-one ABA. “You have this double whammy of getting the diagnosis and then finding out the only treatment that’s been proven successful, you have to pay out of pocket for it.”
A promising therapy
Autism is a complex neurological disorder that affects about one in 110 children born in the United States, according to the Centers for Disease Control and Prevention. Boys are four times as likely to be diagnosed as girls. Most experts believe a number of genetic, environmental and other factors play a role.
Social dysfunction is considered to be the hallmark of autism spectrum disorders.
That can take several forms, including a desire to escape from social environments or avoiding eye contact with other people. Many with autism have limited verbal communication, relying on only a few words and pointing to picture cards or using assistive technology to convey what they want. Repetitive gestures and a narrow, almost obsessive focus on items of personal interest are other symptoms.
Although there is no cure, the ABA method is considered one of the more effective means to coax social, verbal and behavioral improvements from people with autism. The method works by asking children to engage in a particular behavior, such as saying “mom,” then rewarding them if they comply. If they don’t, the behavior is requested again.
Children with autism also may need speech and occupational therapies to learn new sounds, how to dress themselves and to encourage more social behavior. They may require weekly physical therapy to improve low muscle tone — common in autistic children — and better control their body movements. Prescription medication can help anxiety, sleep and other issues.
The challenge for families is how to pay for it all. Because autism is not covered by most private insurances, parents either have to pay out of their own pocket or work with their physician to see if the therapies can fit under another, accepted diagnosis that qualifies for coverage. Even when private insurance covers physical or occupational therapies, it often caps the number of visits annually, Jennette said. Children with developmental disabilities often exceed those visits before the year is over.
The insurance labyrinth
Stacey O’Rourke, who has three daughters on the autism spectrum, said she has learned the importance of letters of medical necessity, prior authorization and knowing which diagnostic codes will help her eldest daughter, Katelyn, who has a severe form of autism, get the treatment she needs. Doctors are often sympathetic, choosing to write physical therapy prescriptions for hypotonia, known as low muscle tone, rather than autism.
“There is a high demand to do speech therapy, occupational therapy and physical therapy with kids who have autism, but if that diagnostic code or symptoms on the bill say ‘autism,’ most insurance companies will say it’s an exclusion,” said O’Rourke, of Wilmington, who spends what little free time she has calling physician offices and her insurance company about her daughters’ care.
“First there’s the heartbreak associated with autism. And then it’s like, ‘I have to play the insurance game?’ ” O’Rourke said.
Some families rely on Medicaid to help with coverage even when they have private insurance. The Children’s Community Alternative Disability program provides Medicaid coverage to severely disabled children, including those with developmental issues, said Dave Michalik, spokesman for the state Division of Medicaid & Medical Assistance. Children who qualify for this coverage can get developmental and nutritional assessments, speech and other therapies and nursing services, but ABA services are not covered.
Johnston said Conner went on Medicaid after being denied private insurance coverage. O’Rourke’s children are covered through private insurance and Medicaid. When children have other health insurance, Medicaid pays only after private insurance has issued payment, Michalik said.
A push for legal mandate
Two years ago, officials at Autism Delaware began working on insurance mandate legislation after hearing horror stories of families whose savings and retirement funds were decimated to pay for autism therapies, said Kim Siegel, director of development for the organization. Proponents teamed up with Weldin Stewart’s office.
With 15 states already mandating that private insurance cover autism services, more than two dozen others, including Delaware, are considering similar legislation, according to Autism Speaks, a national advocacy organization.
In general, insurers are opposed to mandates because they ultimately raise the cost of coverage and make it less likely employers can afford it, said Susan Pisano, vice president of communications for America’s Health Insurance Plans, which represents nearly 1,300 companies.
Therapies for autism are complicated by the fact that some are classified as medical services by pediatricians, while others are considered educational. With more states and school districts facing funding crises, some of those therapies are being eliminated, she said.
But O’Rourke said without needed interventions, children with autism will become adults who can’t function on their own or without expensive supports. Because of ABA-based drills, her 5-year-old daughter can pull her pants down on her own, though she still wears a diaper.
“If we would mandate insurance companies to pay, it would save money and get the services we need,” said O’Rourke, who has spoken at Lesiglative Hall on behalf of early intervention programs. “If we can make them more productive, in the long run, that’s less cost on the state.”
Value of one-on-one
More than 900 children in Delaware have autism, Sorenson said. Many attend school through the Delaware Autism Program, the only statewide educational program in the country for children with autism. Some students may meet the medical criteria for autism but not the educational standard, so they don’t receive school-based services.
While ABA instruction is a big part of the curriculum for students in DAP, it isn’t always on a one-to-one basis, said John Dewey, principal of the Brennen School, which provides educational services for New Castle County students in the program. A child’s instruction is based on what skills they already have, so if a child is learning something new, the student may get one-on-one time with an educator while doing a set of drills. Later, the student may work in small groups with an instructor and two or three other students to better generalize the skill, Dewey said.
Many parents, including the Johnstons, want their kids to spend more time in one-on-one instruction because that’s where they see the most improvement. During the school day, Conner attends a class at Wesleyan Church of Newark that’s run by DAP.
But for families whose children aren’t in DAP, who haven’t been given an educational diagnosis of autism or who are considered higher-functioning, it can be a challenge to make sure they are getting the services they need to build their vocabulary and interact with the world around them, said Theda Ellis, executive director of Autism Delaware. With a mandate in place, parents could supplement services for their children without worrying about whether their insurance will cover the cost.
While families such as the O’Rourkes and Johnstons are hopeful the legislation will pass and ultimately be signed by the governor, it won’t change their plans to provide additional therapies for their children, only how the bills are paid.
“We never knew when Conner was hungry, when he was thirsty or wet. Everything was a guessing game,” Johnston said. “His progress has been slow, but it’s real.”