One of the biggest concerns that families have is how they will pay for their child’s therapy. In 2012, the State of Michigan passed an insurance mandate that guarantees coverage for in-state group and individually purchased policies. Additionally, a number of state funded policies cover ABA therapy. Out-of-state and self-insured policies were not included in this mandate. However, the bill did create a system for employers that offer self-funded policies to choose to cover ABA therapy and then be reimbursed through the state.
Unfortunately, there are many exceptions to this rule, and without significant experience navigating the world of insurance it can be hard to determine whether you are receiving accurate information. At AFP we have a firm understanding of both the insurance mandate and the policies of each of the major insurance companies in Michigan. We have years of experience dealing with every type of insurance policy, whether it is an HMO, PPO, fully-funded, self-funded, group, individual, in-state, out of state, private or federal policy. Before you begin a program with us, we will verify your insurance coverage and outline the details of your coverage for you, so that there are no surprises.
We often speak with families who have been given incorrect information about their insurance coverage and have been stuck with a large bill that they must pay out of their own pocket. That won’t happen at AFP. We will see your claims through from start to finish, making sure that your policy is working for you. We are in-network, participating providers with each of the major insurance companies in the state, as well as many of the smaller carriers and HMOs.