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When you have a special needs child, finances immediately become a big issue. So much is needed, sometimes it is hard to know where to start. Looking for financial help can be frustrating. Finding time to hunt for resources can be even harder! Here is a compiled list of some resources that should be helpful in providing care, equipment, and services that our children need. They are grouped in categories for easier searching: Medicaid waivers, charitable organizations, health insurance, equipment exchange, respite care, technology assistance, and miscellaneous.
Medicaid waivers are for those who do not otherwise qualify for Social Security or Medicaid due to income. Medicaid waivers vary greatly by state. They are also referred to by different names: Model Waiver, Katie Beckett Waiver, etc. There are two basic types of Medicaid Waivers offered by states. Here is a description of each from the National Association of State Medicaid Directors site. “Home - and community - based waivers (1915(c)) are tools used by states to obtain federal Medicaid matching funds to provide long-term care to patients in settings other than institutions. Waivers must be approved by HCFA and are good for three years, after which they may be renewed every five years. Home- and community-based care is increasingly being viewed as a preferable alternative to long-term institutional care, not only for the individual who may remain among friends and family, but also for the state, because services may be provided for less than the cost of institutional care. Section 1115 of the Social Security Act gives the Secretary of Health and Human Services broad authority to waive provisions in Title XIX, the Medicaid statute. These "waivers" permit a state to further the purposes of Title XIX "to make more adequate provisions for aged persons, blind persons, dependent and crippled children, maternal and child welfare, (and) public health..." Generally a waiver is approved for a five-year period, subject to annual renewal. A central element of many of the waivers is the expansion of Medicaid eligibility to low-income persons not covered under federal rules of Title XIX. The new populations covered, however, vary from waiver to waiver, as does the scope of coverage, and the nature of the provider organizations.” Organization Name: APHSA
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