Article

Brief report: Quantifying the impact of autism coverage on private insurance premiums.

The Vista Foundation, Hershey, PA, USA.
Journal of Autism and Developmental Disorders (Impact Factor: 3.06). 03/2009; 39(6):953-7. DOI: 10.1007/s10803-009-0701-z
Source: PubMed

ABSTRACT Many states are considering legislation requiring private insurance companies to pay for autism-related services. Arguments against mandates include that they will result in higher premiums. Using Pennsylvania legislation as an example, which proposed covering services up to $36,000 per year for individuals less than 21 years of age, this paper estimates potential premium increases. The estimate relies on autism treated prevalence, the number of individuals insured by affected plans, mean annual autism expenditures, administrative costs, medical loss ratio, and total insurer revenue. Current treated prevalence and expenditures suggests that premium increases would approximate 1%, with a lower bound of 0.19% and an upper bound of 2.31%. Policy makers can use these results to assess the cost-effectiveness of similar legislation.

0 Bookmarks
 · 
65 Views
  • [Show abstract] [Hide abstract]
    ABSTRACT: The American Psychiatric Association has revised the diagnostic criteria for their DSM-5 manual. Important changes have been made to the diagnosis of the current (DSM-IV) category of Pervasive Developmental Disorders. This category includes Autistic Disorder (autism), Asperger's Disorder, and Pervasive Developmental Disorder Not Otherwise Specified (PDD-NOS). The DSM-5 deletes Asperger's Disorder and PDD-NOS as diagnostic entities. This change may have unintended consequences, including the possibility that the new diagnostic framework will adversely affect access to developmental interventions under Individuals with Disabilities Education Act (IDEA) programs, Early Intervention (for birth to 2 years olds) and preschool special education (for 3 and 4 years olds). Changing the current diagnosis of PDD-NOS to a "Social Communication Disorder" focused on language pragmatics in the DSM-5 may restrict eligibility for IDEA programs and limit the scope of services for affected children. Young children who meet current criteria for PDD-NOS require more intensive and multi-disciplinary services than would be available with a communication domain diagnosis and possible service authorization limited to speech-language therapy. Intensive behavioral interventions, inclusive group setting placements, and family support services are typically more available for children with an autism spectrum disorder than with diagnoses reflecting speech-language delay. The diagnostic distinction reflective of the higher language and social functioning between Asperger's Disorder and autism is also undermined by eliminating the former as a categorical diagnosis and subsuming it under autism. This change may adversely affect treatment planning and misinform parents about prognosis for children who meet current criteria for Asperger's Disorder.
    Maternal and Child Health Journal 03/2013; 17(4). · 2.24 Impact Factor
  • Source
    Frontiers in Public Health 09/2014; 2(160).
  • [Show abstract] [Hide abstract]
    ABSTRACT: This paper presents some missile attack angle control simulation studies. Both linear and adaptive control are considered using the partial state model reference adaptive control approach proposed in [1]. The main control problems are due to the unmeasured disturbances, unstable or undamped modes and important dynamics variations.
    Research in Developmental Disabilities - RES DEVELOP DISABIL. 01/1989;

Full-text (2 Sources)

Download
0 Downloads
Available from
Feb 6, 2015