Financial Support for Co-Pays
Below is a list of financial assistance supports families can apply for to help fund out of pocket cost for treatment.
United Children’s Foundation – anyone can apply on any insurance carrier. Generous financial requirements. https://www.uhccf.org/apply-for-a-grant/is-my-child-eligible/
Chicago Autism Network – our mission is to strengthen the local autism community by helping those in need find and afford effective autism therapy and supports. http://chicagoautismnetwork.org/grants#
Health Insurance Premium Payment (HIPP) – The Health Insurance Premium Payment (HIPP) Program pays health insurance premiums for some clients who have high medical expenses, primary insurance through private health insurance and secondary public medical insurance (Medicaid) insurance. The health insurance the client is eligible for must be cost-effective. The insurance can be available directly to the client or through someone else, such as a parent. The client may or may not be currently enrolled in the health plan. http://www.dhs.state.il.us/page.aspx?Item=19229
The Autism Hero Project seeks to improve the lives of children with autism, people otherwise on the autism spectrum, and their families through providing financial assistance for Applied Behavioral Analysis (ABA) therapeutic services, helping others understand autism-related needs in everyday life, and promoting more than just awareness among communities. We strive to create a world of inclusion,
where ALL means ALL. https://autismheroproject.org/
WHAT ARE DEDUCTIBLES, CO-PAYS AND CO-INSURANCE?
Deductibles
The amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay.
Co-insurance
Your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service.
Co-payment
A fixed amount (for example, $15) you pay for a covered health care service, usually when you receive the service.
Check out this easy to read source on these cost and other medical terms.
CHALLENGES AFFORDING OUT OF POCKET HEATH COST
The percentage of persons under age 65 who were in families having problems paying medical bills decreased, from 21.3% (56.5 million) in 2011 to 16.0% (43.3 million) in the first 6 months of 2017.
The percentage of children aged 0–17 years who were in families having problems paying medical bills decreased, from 23.2% in 2011 to 17.1% in the first 6 months of 2017.
In the first 6 months of 2017, 24.4% of poor, 24.8% of near- poor, and 12.2% of not-poor persons under age 65 were in families having problems paying medical bills in the past 12 months.
Problems Paying Medical Bills Among Persons Under Age 65, National Health Interview Survey, 2011–June 2017, December 2017, Link to full article
Check out our page about Finding Financial Supports for Co-Pays