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Hi
Brooke!
Thanks for sharing this. Health insurance, food and gas are so
expensive you want to be sure you can get the most for your money.
We switched this year to the high
deductible 2 and gave ourselves the difference in what our out of paycheck contribution
was with traditional Anthem and the new employee contribution (about 3000 less
per year on this plan). We put the
3000/ year difference plus about another 1000 per year into the health savings
account. I love this because it is pre-tax
income and now we are really getting something when we pay into our health insurance
and we have more control where it goes. Before we spent 4000 per year just on employee contributions. I have a phone consult with David’s
DAN practitioner on Monday and it will be $27. Anthem never paid any of this....it wasn’t
an allowed charge...now I can pay it out of my health savings account...money
that used to just be what I was paying to have the right to pay 20% on what they might cover. All the money we don’t use in the
savings account continues to roll over also, AND the most out of pocket we will
have to pay in deductibles per year is $4000...so we are covering our bases
with the health savings account that way too. The first year is the most risky as far
as we can tell...for example, if the first year you had a very large hospital
expense and had not yet built up the health savings account you would then have
to come up with the $4000 another way.
By the way our recent news is that David
did the DMSA challenge for metals through his DAN practitioner and
~Ronda
-----Original Message-----
From:
PLAYNET_parentslearningadvocacyyouth@yahoogroups.com
[mailto:PLAYNET_parentslearningadvocacyyouth@yahoogroups.com] On Behalf Of brookerf@...
Sent: Wednesday, January 16, 2008
9:14 AM
To:
PLAYNET_parentslearningadvocacyyouth@yahoogroups.com
Subject:
[PLAYNET_parentslearningadvocacyyouth] Free insurance workshop (forwarded)
Parents:
Have you had problems trying to figure out insurance for your Childs speech, OT
or other services? Would you like ABA and been turned down or just haven't the
hours it takes for approval, appeals, etc? Do you just need home health care
(respite)? Have you ever wondered what is a co-pay and does it count toward the
out-of-pocket or yearly deductible? and... what is an individual "out of
pocket cost anyway"? in pocket? etc.....
Look no further, Kyle Mitchell, Director and Teacher of The Applied Behavior
Center of Indiana for autism, and Nicole Goodson, attorney at law will be
presenting a free workshop for parents of children with autism, asperger's or
PDD-NOS and other developmental disabilities this SATURDAY! beginning at 10:30
am Location: The National College
where: 6060 Castleway W. Dr, Suite 135 (east entrance)
(317)849-KIDS Ext 02
The ABC for Autism is pleased to be able to offer this free workshop offering
guidance on how to navigate the Indiana child service system. Knowing what
services are available within your county and within the State of Indiana can
be vital to meet the daily needs of individuals with autism spectrum disorders.
You will learn what the following funding streams can do for you and your
family: Indiana State Department of Health, which of the 13 kinds of Medicaid
you should apply for, what does a Medicaid waiver cover or how do I apply for a
waiver> (paperwork will be available).
Please register on line at www.appliedbehavior
Saturday, January 19th, 2008 - 6060 Castleway w. Dr suite #135 (east side),
Indianapolis, Indiana.
click here to register: www.appliedbehavior
Laura Fisk
Administration Assistant
abaprogramming@
(317) 849-KIDS X 00
Start
the year off right. Easy
ways to stay in shape in the new year.
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