How Speech Therapy Is Covered by Health Insurance

Communication disorders are medical conditions that are covered by many major medical insurance providers. However, there are some medical insurance providers that do not cover communication disorders. The first step is to determine if your insurance provider covers speech-language pathology services. Call your insurance provider and ask them to send you in writing a list of conditions and ailments that are covered.

If your insurance provider does not cover communication disorders, find as many written materials on your communication disorder(s) condition but make sure the written materials deem your condition medically necessary. Write a letter justifying reasons why they should provide coverage for your specific communication disorder(s). Moreover, attached a written letter from your doctor justifying why your communication disorder condition is deemed medically necessary. Find as many articles as possible that explain and tell how your communication disorder(s) is a medical condition. Locate other insurance companies that provide coverage for your specific communication disorder condition and ask them to send you data on prognosis and recovery time. Visit the Center for Disease Control and Prevention website to locate information on your condition. All of this will build a case to support why your insurance provider should provide coverage for your communication disorder condition. If all else fails, contact a medical lawyer or mediator to have them write a letter on your behalf justifying reasons for coverage for speech-language pathology therapy.

This process may take weeks or months to come to a decision. In the meantime, if at all possible, pay out of pocket for therapy and keep all receipts. Keep a chronological journal with receipts and progress reports written and attached to the journal. You may be able to obtain reimbursement for payment if a decision is ruled in your favor.

You may also want to locate an advocate familiar with your medically necessary condition. Advocates are expertise in certain areas, find one who is knowledgeable about your specific communication disorder condition and consult with him/her the steps you should take.

There is a wealth of information on the American Speech-Language-Hearing Association's (ASHA) website that may justify your condition as being medically necessary. You may want to contact someone at ASHA, who can direct you to all the contact people you may need to speak with to build a solid case for you to present to your insurance provider, so that they rule in your favor and cover your specific speech-language therapy. You may also find on ASHA's website a definition of "medically necessary" as it relates to speech-language pathology and it's disorders. This may help you understand what it is you should look for when choosing articles, advocates, lawyers, and mediators to justify your case for medical coverage through your medical insurance provider for speech-language pathology services.

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Health Insurance Options For The Idle

The saddest event that can happen to an employee is to lose his or her career. Make that even more impactful if a worker loses not only the pay but also coverage for health insurance.

Health insurance is costly notably when you are not getting it as part of a group health insurance. Worse, no matter how affordable it might be, insurance for the unemployed will always be unaffordable and in most cases, unfeasible.

But don't lose hope as there might be an opportunity even if you've been fired. The first thing to do is to ask your boss if you are permitted to health insurance for the unemployed.

The law requires businesses with more than 20 employees to provide health insurance for the unemployed for a period of 18 months. This is not free insurance though, however it could be part of your severance package which means your coverage will be paid by your company for a small amount time.

However, you need to act expeditiously because you only have sixty days once you lose your employer-subsidized insurance, to enroll for health insurance for the unemployed and continue to get the health benefits allowed by the company for a minimum of 18 months.

If you are hoping to get individual health insurance, then look around early on to give you more opportunity to weigh your options and decide on the best coverage. It is possible to get cheap insurance for the unemployed but it gives coverage only for a severe medical occurrence. This style of insurance does not normally cover basic healthcare needs.

If you are still undecided about receiving insurance for the unemployed then choose for short-term insurance plans which are a lot cheaper than the big health plans but are available only for six months to a year. To lower the rate of your plan, you can also choose for a medical plan specifically for quick hospital stays and routine medical check-ups.

The future of insurance for unemployed people is grim with the end of the subsidy provided by the government for COBRA or the Consolidated Omnibus Budget Reconciliation Act, a federal law which grants the purchase of health insurance previously provided by the employer of laid-off workers. The subsidy, which took effect March 2009 and finished, allowed the payment of only 35 percent of the premium for insurance of the unemployed, while the government covered of the rest.

Following this period, jobless employees will no longer be able to avail of the COBRA and will have to face the prospect of paying the more and more expensive premiums or face the chance of not having any insurance at all.

Health is wealth may be a cliché but you will start to see the truth to this motto the minute you are ill without insurance for the unemployed. The chance of living in the US sans a job and regular pay is unthinkable. Nonetheless, the chance of catching a disease without any insurance to back you up is terrible!

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Health Insurance - How You Can Make Things Easier For Yourselves

When it comes to health care, people can make things easier for themselves by learning about the choices available regarding insurance. Prior to purchasing a health insurance, customers need to gather relevant information about the options on the table and take an informed decision.

America has an outstanding health care system. The caveat is, it is expensive as well, making it hard for a good chunk of Americans to access it. Now, no matter how good a system is at prolonging life, if it is inaccessible, it is of little use. Most Americans who don't have a health insurance cover yet, find health care costs a financial burden. As per the statistics, uninsured Americans on average spend up to 25 per cent of their annual income on health care.

Federal Government has recognized the need of making health insurance affordable, pushing legislation that is designed to bring down the premium rates and getting medical services within the reach of the people. It has forced the insurance providers to either curtail the premiums or give rebates to the customers.

Commoners can also make things easier for themselves by learning about health care and making better choice regarding insurance. Knowledge is in fact the most formidable weapon at a person's disposal, which can be used for own benefit. While purchasing the health insurance, customers need to gather relevant information about the options available and take an informed decision.

You just need to go online and compare health insurance plans of various companies. The difference in cost of the same kind of insurance policy from one company to another could surprise you. There are sites where you can conveniently compare the costs of various plans available and figure out the most suitable one. You would also get plenty of supplementary information which would help in the decision making.

But before going online, you need to figure out a few things. You should be clear on what exactly your needs are regarding a health care plan. What is important for your neighbor might not carry weight for you. Do you expect just doctor visits for prescriptions or hospitalization? Do you need health insurance while traveling? You need to find the answers to these questions and more.

Play around with the answers when populating your online comparison forms. You will be provided with plenty of options with seemingly little difference, and you need to choose with care. There are several options such as individual health insurance, family insurance, group health insurance, employer insurance etc. You need to figure out which of these would serve your interests the best. A family health insurance plan might not cover your individual requirements. Insurance plan provided by your employer might fall short of your expectations from a plan.

You can bring down your premium rates to affordable level by increasing your deductible. It is the money you need to pay on your own for your health care before the insurer begins to pay. The more willing you are regarding the deductible, the lower your premium. However, you need to decide about the deductible with lot of caution.

The key is to compare health insurance plans until you arrive at a plausible conclusion. Spend some time browsing the Net, weigh the options against your requirements and you will be able to come up with the right solution.

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Why Are Health Insurance Benefits So Important?

All living things are vulnerable to particular changes of nature and abrupt conditions that could render them immobile and helpless. Health insurance benefits are the payments that are usually awarded by the benefactor to the beneficiary as a security to avoid incurring a lot of medical expenses where need be. These payments are usually savings by the recipient that he or she set aside as a policy in written agreement that he or she would need to access the given amount of funds sometimes in the near future.

In order for health insurance benefits to be purchased and awarded, there are a few things that the buyer would probably be required to undertake. First, the issuing company or organization might request for bank statement which are meant to act as records aimed at showing what how the buyer would be paying for the services. Another thing that the buyer would be asked to provide is a list of family members if any mostly the nuclear family.

Even though not as important as the above mentioned two aspects, the buyer might also be requested to provide information on the ideal person to benefit for the money incase he or she dies and if at all there wasn't any family members represented. Health insurance benefits if purchased from the government usually earn interest but a bigger interest compared to insurances provided by private companies.

Health insurance benefits go beyond the general hospital bills. They are also well and precisely known to cover, hospital bills, doctor visits, home maintenance procedures, tests, and all other necessities that would call out for a health practitioner's attention. There is always a second question that people ask, the question of "what do I do with my health insurances if at all my immunity is superhuman and I never get sick?" well in order to see the meaning of this phrase, we need to understand a couple of things.

First, the idea of health insurances is not bested on normal sickness alone, when one encounters any sort of accident, this is usually counted in. however, one may still add, what if he or she luckily never befalls an accident that might need the health insurance benefits? Well, we could add that in the case where such happens, the issuing organizations have usually armed themselves with back up plans aimed at ensuring that the applicant would not feel as if the benefactor took the advantage. All in all, all normal human beings have 98.9 chances of at least suffering from some known ailments.

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Get Health Insurance While You Are Still Young, Fit And Active

Many young people ignore the benefits of having a health insurance plan. While young, at school and college the chances are they were covered by their parent's employer's schemes and anyway never had much call to use it. Every year a sniffle or 2, possibly tonsillitis or an appendix but by and large that was it. So as far as they are concerned health insurance is a non issue.

Then they get a job. A whole lot of things change. Firstly the parent's medical schemes stop covering them. Secondly the chances are good that if the company they get a job at has a medical scheme it will not be as favorable as the coverage they were receiving from their parent's scheme.

Health insurance and medical schemes generally have changed a lot and are not nearly as benevolent as they used to be. Because of the astronomical rises in the cost of health care (which in itself has vastly improved in techniques and abilities) coupled with the economic straights the economy finds itself in many companies have cut right back on the benefits they used to give to the employees.

The next thing to be taken into account is what sort of fund is needed. The young fit and healthy will not want any. They reason that the annual influenza costs maybe a hundred dollars in doctor's bills and antibiotics, and in any event "I never get sick" or "heart attacks cannot happen to me" while if they take out a health insurance that monthly premium has to be paid and they will lose out over the years.

If they are correct in their feeling of invulnerability they are extremely fortunate. And maybe for years and years nothing will happen. Or maybe tomorrow the car they are driving will burst a tire and roll leaving them with a broken leg and six weeks in hospital in traction. I know I am going from one extreme but that is what insurance is about.

And there are big advantages to taking out insurance when you are young and healthy as the policy becomes stable and you are able to build up a lot of credit and keep your premiums down.

The other big advantage of being on a scheme is that if one develops a chronic condition as one gets older, insurance companies may excluded expenses from that condition if you suddenly decide to join later in life. Because of the current lifestyles and poor eating habits adult onset diabetes is becoming more and more common. But that is not all, One is always exposed to all sorts of pathogens, remember the Asian bird flu a couple of years ago?

Not to take out health insurance when you can afford it is really short sighted. Health Insurance for Individuals comes in all sorts of varieties and when you are young and fit you may well want to skimp on the insurance but the advice is not to if the decision to add these options later may cost you greatly. Bear in mind that Insurance cannot be purchased after the event.

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The Seven Myths About Insurance Reimbursement for Post-Rehab Services

Are you a PostRehabologist who has clients with insurance coverage? Are you not sure how to contact the insurance company? You have had an insurance claim denied because you were not sure what to do? Maybe you're just not sure what insurance companies will reimburse. There are several myths about insurance reimbursement for Post-Rehab Services, here are the top 7 myths we often hear:

Myth #1: Insurance carriers won't pay for post-rehab services. Actually, we find that insurance carriers are open to the idea of paying for post-rehab services, if they feel the services will benefit the client, improve the client's overall level of function and the services are not used in lieu of the services provided by a licensed physical therapist, chiropractor or physician. Medicare and Medicaid will not pay for post rehab services.

Myth #2: I need a provider number to bill an insurance company and obtain insurance reimbursement. This isn't necessarily true. The provider number is nothing more than a number used to identify the practitioner as a member of the network. The insurance carrier doesn't say that non-providers can't receive re-imbursement; it just makes it a bit harder. The key is to obtain pre-authorization for post-rehab services. If you do have multiple fitness facilities, I would recommend you approach the insurance company to become a provider. There is an application process but fitness is becoming a integral part of the medical management of many conditions.

Myth #3: I can use the use a medical professional's license to obtain insurance reimbursement for post-rehab services. This is absolutely not true, and may constitute insurance fraud. The idea of billing for post-rehab services under a license of a physical therapist, chiropractor, physician and/or nurse is 100% illegal. If the medical professional does not actually provide the services, then it is illegal for he or she to bill that under their license number. If you contact the insurance company, explain your programs and the benefits of your programs, you may find the insurance carrier receptive paying you directly for post rehab services. Again, stay away using a medical professional's license number; that is illegal.

Myth #4: I should bill just as much as the physical therapist and/or chiropractor charge. Please understand, insurance carriers keep track of every provider there is out there. From this standpoint, they've developed a profile on each medical provider in which they start to use these profiles to determine if someone is billing for outrageous treatments or billing for services that really shouldn't be covered, or they're excessively billing for services. Please understand, as a post-rehab professional, when you start to charge the exact same amount that chiropractor or physical therapist does, remember your services may not be as specialized. And, also, that's not saying that a physical therapist or chiropractor is better, but when you're billing at their same level, remember their overhead cost may be a little different, probably greater, and you also have to remember there's a higher level of professionalism. I don't mean that in a negative sense, but please understand, when you start trying to bill the same thing that the physician, chiropractor or physical therapist do, eventually the insurance carrier is going to adjust those charges such that you're going to end up getting what they want you to receive rather than what you are asking for. So play fair with the insurance companies. I guarantee you in the long run you'll be better off.

Myth #5: I can make a lot of money working with seniors and getting insurance reimbursement for senior fitness services. Medicare and Medicaid will not pay for post-rehab services. In the past, a couple of groups in Arizona and Florida have received reimbursement from Medicare for group-based fitness services, but after one or two payments, Medicare any further claims. Workman's compensation carriers, motor vehicle accident carriers, and some third-party carriers are more receptive. Medicare and Medicaid absolutely will not pay for post rehab services.

Myth #6: All I have to do is just simply send the insurance carrier my bill and I will get a check. You must contact the insurance carrier in advance to obtain pre-authorization for post rehab services. This means you will have to conduct an assessment, determine the exercise program and then contact the insurance carrier. The insurance wants to know how long, how often and how much, with regard to the post-rehab services. The idea of just simply submitting a bill and thinking the insurance carrier is going to pay you because the client has insurance coverage is not smart. Remember physicians, physical therapists, chiropractors, hospitals, surgical centers, all do the exact same thing, obtain pre-authorization for services and/or products. They don't just simply submit a bill.

Myth #7: The only documentation an insurance carrier needs for reimbursement is a copy of the workout card. The insurance carrier needs to know what was done, how it was beneficial to the client, and, most importantly, the outcome. You must provide more than simply the workout card indicating sets and reps and the exercises performed. You need to outline the details of the session, the outcome of the session, the session goals, and, more importantly, the plan of what will be done in the subsequent sessions. So it's not simply the idea of just sending the insurance carrier a bill. To obtain reimbursement the insurance carrier needs some details.

These are our top seven (7) myths of insurance reimbursement for post-rehab services. We invite you to get more details on how to submit insurance claims and obtain insurance reimbursement for post rehab services at by visiting our website and clicking on Insurance Reimbursement link. We guarantee the information provided in our insurance reimbursement program will dismiss all the myths and misconceptions about post rehab insurance reimbursement.

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