Insurance Problems and Asperger's/Autism

Parents have a tough enough time as it is locating a good referral for either diagnosis or treatment of a spectrum disorder without having problems with insurance reimbursement.  Personally, I've had plenty of problems just getting my insurer to pay for specialty medical treatments (Cigna was the worst, Harvard Pilgrim only slightly better) that should obviously be covered.  I survived my Cigna nightmares and Harvard Pilgrim problems by ranting and raving (being nice doesn't help).  And the same is true for Asperger's/Autism...when parents are in HMO's and they are only offered low level assistance by therapists who don't know AS/Autism, then it may be time to get tough.  I say find out who in your area has experience or expertise in this area and demand that your insurer pay for that person (even if they are out of network).   Groups like The Asperger's Association of New England can provide good referrals, but it is up to parents to make sure their insurers will pay.  My suggestion:  If you are in the U.S., ask your state Insurance Office to help out.  Keep notes on all phone contacts with your insurer (always ask the name of the person you are talking to) and if you are getting nowhere...File a complaint with the State Insurance Office.

Sorry for the negative tone, but most agree that the U.S. medical insurance system is not working and ultimately we need to cut out the greedy middle guys who manage money, not care.