insurance law

[Guest guest]

Hi all, I have a question about the insurance law for Florida mandating coverage

for Autism. My husband was offered a job by an employer, where the plan is

United Health care Choice plus, but they say they only cover 20 visits of speech

therapy per year. My question is whether the autism insurance mandate for

Florida over rides this 20 visit limit? The insurance plan is fully funded,

based in Florida, and the company is a large company so there is more than the

mandated 50 employees. According to this information, I think that they have to

by law cover up to 36k a year for therapy, I was wondering if there are any

other loopholes that I should look out for or ask about that they might not

cover it? Has anyone here met the criteria for coverage and still got denied?

This is basically a deal breaker for us before DH accepts the job, and we just

want to make sure we will get coverage.

Thanks!

[Guest guest]

If the plan is " self insured " which is typical of larger employers then they are

exempt from the FL Law and fall under Fed jusistiction.

Without asking if they are self insured you wouldn't know because a self insured

company buys bulk insurance from an underwriter and contracts with someone like

United to administer the plan.

If it is a United plan then the 20 visit limit is invalid but I believe they can

still make you stay in network.

An extra bit of a good thing is that with the new federal Healthcare Law the

lifetime $200,000 cap in the FL Law is void.

Steve

>

> Hi all, I have a question about the insurance law for Florida mandating

coverage for Autism. My husband was offered a job by an employer, where the plan

is United Health care Choice plus, but they say they only cover 20 visits of

speech therapy per year. My question is whether the autism insurance mandate for

Florida over rides this 20 visit limit? The insurance plan is fully funded,

based in Florida, and the company is a large company so there is more than the

mandated 50 employees. According to this information, I think that they have to

by law cover up to 36k a year for therapy, I was wondering if there are any

other loopholes that I should look out for or ask about that they might not

cover it? Has anyone here met the criteria for coverage and still got denied?

This is basically a deal breaker for us before DH accepts the job, and we just

want to make sure we will get coverage.

> Thanks!

>