When it comes to healthcare coverage, providers consider ADHD a pre-existing condition. Health insurance companies do not like dealing with these types of conditions because they fear it will hurt their bottom line. If they accept too many “sick” people, they may lose money having to pay enormous medical fees. Consequently, they end up punishing those who are already ill. This includes denying their application or charging higher fees. It doesn’t even matter if a person is healthy in every other area of their lives.

Next, call the insurance company and speak with them directly. Are there any pre-requisites for coverage? Some health plans require children with ADHD to seek treatment for as long as a year before they can receive health insurance coverage. Find out how many doctor’s visits are covered per year, as well as which services will need to be pre-certified. It might also be a good idea to ask for a case manager. Establishing a good relationship with your case manager will help if your child’s claims ever get denied.

And, since many group policies include mental health coverage, a recipient wouldn’t even have to pay a higher deductible. This means they have less to lose even on customers who require extensive medical care. . The reason why is because the company already got their compensation through the employer. The same providers that turn a person down for an individual plan would welcome them with open arms on an employer-based group policy. One alternative could involve getting insurance through an employer. So, how can a person with ADHD get the coverage they need to manage their condition?

If coverage can be offered, they can then determine how much they would have to pay. With the right type of quoting site, they will find out in minutes if a network will even approve them. If a person indicates from the beginning they have an illness, they can save themselves a lot of time. The best way to do this is to get an online quote from a number of providers. The second route would involve trying to research plans that offer coverage for mental health problems. The first involves researching what the government has available, since recently there have been policies specially designed for those with preexisting conditions. In that situation, they have two routes they can take. However, as the employment rate continues to plummet, getting group coverage may not be a viable option for many ADHD sufferers.

Make sure to keep a record of everything you do during this process, as well as comprehensive information from your child’s doctor. Insurance companies may ask for the actual test results and/or diagnosis to make a final decision. Remember, even if they deny coverage, you can still appeal. Having a written record of your child’s treatment and your dealings with the insurance company will help you get through the appeal process. Finally, if you cannot get coverage for your child’s ADHD through normal means, you may be able to get coverage through Medicaid if you qualify. Treating a child with this disorder can be expensive, so do not give up no matter what!

Sean L Johnson is a journalist for Health Insurance Buyer a referral service that connects consumers to the insurance carriers that can best fit their wants or special needs. Click on link to get approved for health insurance, even if diagnosed with ADHD