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General Parenting
RUNNING OUT OF INSURANCE
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<blockquote data-quote="bigblueagain" data-source="post: 4202" data-attributes="member: 909"><p>I am just now seeing this but wanted to respond to a couple of things. </p><p>The $10,000 life cap is not unusual. That is actually a pretty typical cap amount. The employer who supplies the coverage can cap anything at any level they want. Some states mandated mental health coverage whether the employer is fully or self insured, but there is no way they can actually mandate a coverage amount. Believe it or not, insurance coverage is a benefit, not something an employer actually ahs to give. So I would think you could at least apply for the SSI, but dependent on family income until your difficult child is 18, you may not qualify. We never did even without mental health coverage until my difficult child turned 18. </p><p>Secondly could the selective mutism not be considered a medical condition, therefore MEDICAL would have to cover, not Mental. Some folks don't understand there is a difference between the two. In fact most employers are now separating the two, that way they can limit the amount under mental health benefits much easier.</p><p>At my current job the employers are all self insured, meaning it's their money. However they are ALL giving great mental health benefits by virtue of our company helping them. Sometimes members call us and bless us out, but in truth they are really really much luckier than most!</p><p>bLUE</p></blockquote><p></p>
[QUOTE="bigblueagain, post: 4202, member: 909"] I am just now seeing this but wanted to respond to a couple of things. The $10,000 life cap is not unusual. That is actually a pretty typical cap amount. The employer who supplies the coverage can cap anything at any level they want. Some states mandated mental health coverage whether the employer is fully or self insured, but there is no way they can actually mandate a coverage amount. Believe it or not, insurance coverage is a benefit, not something an employer actually ahs to give. So I would think you could at least apply for the SSI, but dependent on family income until your difficult child is 18, you may not qualify. We never did even without mental health coverage until my difficult child turned 18. Secondly could the selective mutism not be considered a medical condition, therefore MEDICAL would have to cover, not Mental. Some folks don't understand there is a difference between the two. In fact most employers are now separating the two, that way they can limit the amount under mental health benefits much easier. At my current job the employers are all self insured, meaning it's their money. However they are ALL giving great mental health benefits by virtue of our company helping them. Sometimes members call us and bless us out, but in truth they are really really much luckier than most! bLUE [/QUOTE]
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RUNNING OUT OF INSURANCE
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