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Help paying for residential treatment
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<blockquote data-quote="slsh" data-source="post: 616458" data-attributes="member: 8"><p>I believe that mental health parity is the law now - insurance companies cannot put special restrictions on mental health coverage compared to coverage for heart disease or diabetes, for example. RTCs are of course a whole different ball game and I would imagine that even if you *could* initially get funding thru an insurance company, their goal would be to get him out of there ASAP via utilization reviews (medical necessity). </p><p></p><p>In addition to Midwest Mom's suggestions, you can/should check with the RTCs to see what their sources of funding are. </p><p></p><p>My son's RTCs were funded by a grant through Illinois (a program that has been drastically cut in recent years, unfortunately). Additionally, once he was in an Residential Treatment Center (RTC), he became eligible for SSI because our income was no longer considered (he was considered to be living on his own, even at age 9) and therefore also became eligible for Medicaid. You might check with your state Dept of Mental Health to see if funding is available. </p><p></p><p>How is he doing in school? Another source of funding is the school district, if they are unable to provide a "free and appropriate public education in the least restrictive environment" (FAPE in LRE). Because of the grant, we didn't have to go this route, but due to the number of increasingly restrictive school placements and his inability to function in any of them, our SD would have had to foot the bill for the whole Residential Treatment Center (RTC) placement eventually if the grant didn't exist. They did fund the educational portion of his Residential Treatment Center (RTC) placement, as should your SD I believe.</p><p></p><p>This link is to a list of questions to ask potential RTCs. There are a lot of different types out there - some geared more toward a particular diagnosis or a certain level of cognitive functioning. I found it helpful to have a list of questions to start out with and then added my own. </p><p></p><p>Basically, you're going to have to get creative and make a lot of calls. You never know who will turn out to be a good resource. Good luck!</p></blockquote><p></p>
[QUOTE="slsh, post: 616458, member: 8"] I believe that mental health parity is the law now - insurance companies cannot put special restrictions on mental health coverage compared to coverage for heart disease or diabetes, for example. RTCs are of course a whole different ball game and I would imagine that even if you *could* initially get funding thru an insurance company, their goal would be to get him out of there ASAP via utilization reviews (medical necessity). In addition to Midwest Mom's suggestions, you can/should check with the RTCs to see what their sources of funding are. My son's RTCs were funded by a grant through Illinois (a program that has been drastically cut in recent years, unfortunately). Additionally, once he was in an Residential Treatment Center (RTC), he became eligible for SSI because our income was no longer considered (he was considered to be living on his own, even at age 9) and therefore also became eligible for Medicaid. You might check with your state Dept of Mental Health to see if funding is available. How is he doing in school? Another source of funding is the school district, if they are unable to provide a "free and appropriate public education in the least restrictive environment" (FAPE in LRE). Because of the grant, we didn't have to go this route, but due to the number of increasingly restrictive school placements and his inability to function in any of them, our SD would have had to foot the bill for the whole Residential Treatment Center (RTC) placement eventually if the grant didn't exist. They did fund the educational portion of his Residential Treatment Center (RTC) placement, as should your SD I believe. This[URL='http://www.conductdisorders.com/community/threads/questions-to-ask-an-Residential Treatment Center (RTC)-need-input.200/#axzz2pGDhuhmM'] link[/URL] is to a list of questions to ask potential RTCs. There are a lot of different types out there - some geared more toward a particular diagnosis or a certain level of cognitive functioning. I found it helpful to have a list of questions to start out with and then added my own. Basically, you're going to have to get creative and make a lot of calls. You never know who will turn out to be a good resource. Good luck! [/QUOTE]
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