ADHD is classified as a
chronic neurological condition that can manifest in many observable ways
including an innate affinity or propensity for impulsivity and the inability to
pay attention. An ADHD patient has difficulties with focus and
concentration and engagment in passive activities, or both. ADHD is present
from birth but the diagnosis before the ages of 4-5 is difficult. The child may
be diagnosed earlier if severe symptoms are shown. Some people with ADHD are
not diagnosed until they reach adulthood. The ADHD disorder is found in
8% of the adolescent school children within the US and is expected to grow
according to The National Institute of Health.
There are controversies
when it comes to major medical health insurance. Some plans cover the insurance
while some provide coverage under very specific guidelines.
This article is being
written to assist the people who need insurance plan for the treatment of
ADHD without endorsing limitable riders or attached exclusions written on
the policy placed and issued.
ADHD specialty coverage is
categorized under mental health treatment benefits in the individual private
healthcare market. Any plan that excludes mental health related benefits will
not be provided with insurance for ADHD. One should be prudent when
considering a plan as most plans specifically exclude ADHD coverage in
their schedule.
Tip: There is statistical epidemiologic
data indicating that ADHD and substance abuse coexist or occur together more
frequently than chance alone. In some aspects studies have found the root of
this problem may be linked to overtly being overmedicated to stimulants
therefore cultivating neurotransmitters to the drugs addictive properties. This
one is tough to beat, health insurance underwriters reserve the right to
request a paramedical examination if there is reason to have suspicion.
In this case consider detoxification protocols several days before an
application is submitted. There are numerous methods of accomplishing this and
proving the information here may be beyond the scope of this article but at
least now there is sufficient time for preparation.
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