Mo. gov backs insurance plan for autistic kids
Sunday, Aug 09,2009, 12:29:56 AM Click:
Nixon said Thursday that coverage of the costly behavioral treatments should be an essential element of legislation that both the Democratic governor and Republican legislative leaders have pledged to make a priority next year.
Nixon's proposal is similar to a bill passed earlier this year by the Senate that never came to a vote in the House. Insurance industry lobbyists had warned that mandating of coverage of childhood autism would cause premiums to rise for other policyholders.
At issue is what's known as "applied behavioral analysis," which some parents say produces dramatic improvements in their autistic children but which can cost upward of $50,000 a year. Such services are not currently covered by Missouri insurers.
Fourteen states have laws mandating insurance coverage of "medically necessary, evidence-based autism therapies" such behavioral analysis services, according to the advocacy group Autism Speaks.
At Nixon's side as he announced his plan Thursday were Myles and Lora Hinkel and their 6-year-old son, Blake, who provided an example of the challenges of raising autistic children by attempting to rip a seal off the lectern during Nixon's news conference. Unable to speak until age 3, Blake now can talk in several-word sentences and read short words as a result of behavioral treatment services, Myles Hinkel said.
A local social services agency has helped the Hinkels pay for Blake's treatment. But that aid runs out next year, the father said, and the family is hoping for a state insurance mandate.
State insurance department director John Huff said the proposals backed by Nixon and the Senate would be affordable for consumers.
"Fundamentally, major life changing events _ like a diagnosis of autism _ is what insurance is all about," Huff said.
Nationally, about 1 in 150 children are diagnosed with an autism spectrum disorder, and Nixon said more than 30,000 people could have autism in Missouri.
An actuarial analysis conducted for Autism Speaks of a previous Missouri legislative proposal, which included a $72,000 annual benefit cap for autistic people younger than 21, estimated that an insurance mandate would result in a less than 1 percent increase in the cost of health insurance premiums. For an average group health insurance premium of $3,573 a person, that would equal a $27.10 increase, the study said.
But the industry group America's Health Insurance Plans has warned of premium increases of greater than 3 percent, which it estimates would make health insurance unaffordable for thousands of people.
Calvin Call, executive director of the Missouri Insurance Coalition, said the industry has had no conversations with Nixon about an autism insurance requirement and still has concerns about its costs.
Nixon said he's not interested in compromising on four key elements. He said the bill must cover both the diagnosis and treatment of childhood autism, provide between $35,000 and $55,000 annually of behavioral services, cannot cap the number of treatment visits, and must bar insurers from terminating coverage solely because of an autism diagnosis.
"This is not about trying to find a bill that every insurance lobbyist in Jefferson City can sign off on," Nixon said. "This is about doing something that is right, correct, proven and needs to get done."
Since the Legislature adjourned in May, Nixon has repeatedly criticized both the insurance industry and Republican House leaders for not voting on the Senate's autism legislation.
But House Speaker Ron Richard, R-Joplin, said Nixon has not talked to him about the details he wants included in an autism bill. Richard has created an interim committee to craft autism insurance legislation and pledged it will be one of the first bills debated when lawmakers return in January.
"Our goal is still an affordable, transparent, workable solution," Richard said.
You may also be interested in:
- NAIC Surveys Reveal Drop in Indexed Annuity Carriers, Premium
- BUSINESS IN ASIA TODAY - JUNE 16, 2010
- Barton handbook may soon reflect recession: County will consider change to base benefits on its budgetary needs
- BRIEFING - ASIA INSURANCE - MAY 20, 2010
- North Carolina Governor Signs Beach Plan Reform Measure
Featured
Coalition Says Public Health Option Would Lead to
The current debate over health care reform has spawned town hall meetings all
Americans Say They Don''t Have a Voice Anymore, 2 In 5
Copyright 2009 Marketwire, Inc.All Rights Reserved Marketwire April 23, 2009
Alltrust Insurance to Expand Registered Capital to
Alltrust Insurance Company of China Ltd. recently gained approval from the
THE INFLUENCE GAME: Insurers fighting back quietly
WASHINGTON_Cast as a profit-hoarding villain by Democratic foes, the insurance
Fla. House panel approves bill for hurricane insurance
Copyright: The Associated Press. All rights reserved. This material may not be
TheFortuneFinancial.com Research on the Free Market
NEW DELHI, INDIA - (MARKET WIRE) - 06/23/09 - TheFortuneFinancial.com provides
Premium income in China jumps 8% in first 9 months
China's premium income in the first nine months rose 8.1 per cent from a year
MOST POPULAR
- Most Read
- Most Discussed
- Most Emailed
- A.M. Best Places Ratings of Forethought Life Insurance Compa
- A.M. Best Downgrades Issuer Credit and Debt Ratings of Jackson National Life Insurance Company and Its Affiliates
- A.M. Best Downgrades Ratings of Bankers Life Insurance Company; Revises Outlook to Negative
- Farmers Insurance(R) Named One of the 'Best Companies to Work For' in the Greater Kansas City Area
- Till Death Do Us Part; How second-to-die life insurance pol
- Chartis Charts Its Path Away From AIG
- A.M. Best Revises Outlook to Negative for AXA Financial, Inc
- Prepared Insurance Strategy Shaped by Florida Regulation, Rates
- Bank of America began to reduce the principal amount of mortgage loan modifications
- A.M. Best Downgrades Issuer Credit Ratings of Primerica Life
-
Summer Vacation: Travel Insurance Tips From eHealthInsurance -
Colo. House panel approves takeover of insurer -
Universal P & C Insurance Agreed Florida owners to raise rates to 14.6% -
FDIC Approves the Payout of Insured Deposits of Platinum Community Bank, Rolling Meadows, Illinois -
Federal budget deficit sets March record $ 192.3B -
THE INFLUENCE GAME: Insurers fighting back quietly -
Global Risk Partners Increases Speed and Accuracy of Risk An -
Research and Markets: Indian Pension Fund Market Forecast 20


Discuss this news
Click Here to see all comments