Parents of children with special health care needs may have difficulty finding health care plans on the Marketplace due to their child’s medical complexity. There are now resources to help families find the most comprehensive health care coverage for their child.
Key Considerations When Exploring Health Care Coverage Options
Parents can look at a plan’s Summary of Benefits and Coverage (SBC) to get the information they need. There is a link on the Marketplace for the SBC for all participating plans. SBCs can be compared to determine which plan has the most extensive coverage benefits or the benefits that most closely fit their child’s needs. There are some key areas listed below for parents to consider.
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The National Disability Navigator Resource Collaborative (NDNRC) has fact sheets, including one for children with special needs (see Resources.) Other fact sheet topics cover autism, intellectual disability, and mental illness, and more are being developed. In addition, NDNRC topical sheets cover other areas of interest such as comparing plans, medications, therapies, etc. These fact sheets were developed to give more information to Navigators helping people with disabilities. Families can use these helpful tools to assist them in finding ample health care coverage for their child with special needs.
Lauren Agoratus is the parent of a child with multiple disabilities who serves as the NJ Coordinator for Family Voices. She also serves as the southern coordinator in her state’s Family-to-Family Health Information Center.