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Autism Insurance: The
Right Responses
Dear Friends,
As perhaps you know there
has been considerable confusion
about bills before the legislature
during the 2009 Session that would
have compelled some private insurers
in Virginia to provide autism
coverage. And now, as you may
have read, a candidate has
criticized me (and therefore a host
of both Republican and Democratic
delegates) for what was in fact a
conscientious response to a
difficult issue. Without
clear information and context
this potentially emotional issue
cannot be understood.
Accordingly, I offer you a synopsis
of the bills presented to the House
and Senate during the 2009 Session.
Included is an explanation of the
respective chambers' responses.
There were two, identical bills
in the General Assembly that would
have mandated health insurance
coverage for "autism spectrum
disorder." This is a complex
disorder, of no clear cause and of
no definitive cure. Children
with autism encounter serious
difficulties in communication,
social inter-action, etc.
In the House of Delegates, House
Bill (HB) 1588, and in the Senate,
SB 1260, would have required "health
insurers, health care subscription
plans, and health maintenance
organizations to provide coverage
for the diagnosis and treatment of
autism spectrum disorder in
individuals under age 21." Each
bill included a cap of $36,000 in
benefits annually.
The Senate bill was reported from
the Commerce and Labor subcommittee
on a vote of 11-5. Those
voting against the proposal included
our Senator John Watkins.
Subsequently, after further
testimony on the matter, the bill
was referred to the Senate Finance
committee and there it was left,
without further action.
In the House, HB 1588 was heard
in the subcommittee that I chair
for the Commerce & Labor
committee. In addition to testimony
for the bill from its patron and
several parents, we heard testimony
against HB 1588 from a score of
employers, employees, and insurance
groups, including the Virginia
Chamber of Commerce and the
Greater Richmond Chamber of
Commerce. Keith
Cheatham, vice president of the
Virginia Chamber, pointed out one of
the principal weaknesses of HB 1588
(and also SB 1260) when he asked,
"Do we want more expensive health
insurance coverage for fewer people,
or do we want more affordable health
insurance coverage for most people?"
A Limited, Costly
Proposal
Both
autism-insurance bills of 2009 would
have affected only about a 25% of
insurance plans. Large,
self-insured employers, such as the
major corporations of the Richmond
area and even state employees of the
Commonwealth, would not have been
covered. So the cost of the
mandate would have fallen on smaller
employers, and no one, on either
side of the aisle, was prepared to
add mandated costs to small
employers during an economic
recession. When HB
1588 was heard in my subcommittee,
six members were present--three
Republicans and three Democrats.
When I called for a motion, no
motion was offered. Not a
Republican, not a Democrat, believed
that HB 1588 was the proper vehicle
for helping families with autistic
children in Virginia. The
protocol in such a situation, when
no motion is offered, is for the
chair to rule the matter moot, and
this I did. Later,
the patron of HB 1588 asked the full
House to reconsider the bill.
That motion was rejected, 63-32-1,
and the nay votes were cast by a
broad bipartisan consensus. A
Democrat whom I greatly admire,
Delegate Algie Howell of Norfolk,
was among the Democrats who voted
against reconsideration.
Consequently, he, too, is being
criticized in this campaign (by a
Republican challenger) for doing
what was in fact in the best
interests of the vast majority of
Virginians. Also
voting against the motion to
reconsider were my neighboring
Delegates Manoli Loupassi, Sam
Nixon, Kirk Cox, John O'Bannon--a
medical doctor--and Riley Ingram.
In other words, the entire
Chesterfield delegation rightly
opposed a well-intentioned but
too-widely drawn bill that would
have placed an undue burden on the
small businesses--and thousands of
families--of Virginia.
One other feature of HB 1588
must be noted. HB 1588 would
have required affected insurers to
provide coverage "for the diagnosis
and treatment of autism spectrum
disorder in individuals under the
age of 21." By comparison,
when the legislature of Texas in
2007 passed a mandate for autism
insurance, coverage became required
"for children between the ages of
three and five." That is a
drastically different mandate than
the one proposed by HB 1588.
More recently, the South Carolina
legislature mandated coverage for
children "diagnosed at age eight or
younger." Benefits would be
provided only to children under age
16. More recently,
the U.S. Senate, last week, included
an autism-coverage element in the
proposed federal health insurance
bill being considered in both
chambers of Congress.
2010
Expectations Since
the 2009 Session I have talked with
several fellow legislators about how
to craft a bill that would spread
the costs and also include employees
of large corporations and also state
employees. Just this week I
met with a leading member of the
Virginia Autism Project. I
reiterated my willingness to support
an insurance bill that makes sense
for all Virginians. And, I
plan to co-patron an important
companion measure for autistic
children. This is a bill that
would create a basic training
program for the appropriate aides in
our public schools. At
present, aides often do not know
enough about autism as a disorder or
about the special needs of autistic
children. What we need is a
basic training program, taught by
experts in autism education, so that
autistic children can take full
advantage of our public schools.
Passions ran high during debate
on the autism bills in the House and
Senate last winter. My
responsibility as a subcommittee
chair is to ensure that passions do
not trump civility and reasoned
judgment. The vast majority of
members of both the House and also
the Senate shared that view, and
voted--or offered no motion that
would have ensued in a vote--in good
faith and in good conscience.
My opponent this year says that
he would have voted for HB 1588.
Evidently his claim and certain of
his caricatures sway some. I
am content to believe that it is
easy to promise anything to garner
votes on a subject that tears at the
hearts of all of us. I also believe
that the responsible approach was
the one taken by the large majority
of Republicans and Democrats alike
during the 2009 Session. And I
further believe that a much-improved
bill will come before us in 2010
precisely because of the debates and
careful deliberations that
we devoted to autism insurance
during 2009. Cordially,
Lee Ware
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