This post will be updated occasionally as I continue to find sites and references. The piece includes comments following the financial section re obtaining care.
[March 2019]
I celebrated when I heard the news that with the passage of the Health Care Act, families can include their dependents on their health care plans for a longer time - until age 26. And, your son or daughter does not need to be living with you in your home, either. I've noticed that some private plans and the State of New Jersey (at least, there may be others) actually already extend that age until 30.
Now, of course, one of the remaining hurdles is to provide parity in health coverage for those with brain disorders/mental illness including eating disorders. The Eating Disorder Coalition and others are working towards that goal. A recent decision re Wit v UnitedHealthCare written about by Steven Dunn on his blog www.adadsjourneywitheatingdisorders.home.blog addresses this case and its ramifications.
On the insurance point, incidentally, Susan Maccia wrote an article for the Parent and Family Network Newsletter Fall 2011 issue titled, Insurance 201:Single Case Agreements outlining how to obtain special clearance for out of network treatment or out of state (e.g.) treatment. There is precedent for this, even within Medicaid.
Here's a link to
one woman's successful journey to effect change in her state (Missouri) as well as to obtain treatment for her daughter.
Annie Seal's story provides important tips on how to proceed.
In the meantime, and until your state or country enacts changes in the law to require insurance companies to pay for whatever treatment is necessary, what's a family to do when private health care coverage is not available for their adult loved one? The Wall Street Journal among other media has occasionally run articles about people who have needed to declare bankruptcy upon exhausting all their funds. Other families, whose members have working years ahead of them, have chosen to completely decimate their retirement plans in favor of keeping a loved one in treatment. What about people who are still in this battle and are retired or disabled themselves or literally cannot afford to exhaust their retirement funds. What are other possibilities?
The first is to sit down and take a complete look at your financial picture and your age and ability to keep working. If you're reading this, you have access to a computer and to sites like those offered by eg MetLife (there are many more and this is not an advertisement; I just happened to see it in the paper) or you can purchase software like Quicken that has a planning retirement function to analyze what you'll need to live on post-retirement.
This is an important step, too, because you need a complete picture with which to work when you do negotiate with residential facilities, many of which have funds set aside to help families whose means are not sufficient. Do not hesitate to ask for help and be sure to factor things in like support for another aging family member or one with special needs.
The next is to consider treatment loans. There are companies in this country that will work with you to finance long-term treatment. Your doctor's office or local hospital may have literature about available loans. edreferral.com provides all sorts of information about obtaining financial support - loans, trials, even free scholarships for the treatment of eating disorders including much of what I write about here. For example, the non-profit organization called Project Heal also raises funds to provide assistance, if possible, to those who need it.
A legal ruling in New York State (legal work done by Kantor and Kantor) opens the door for support for nutritional counseling for those with eating disorders.
At some point, there comes the time when other resources need to be considered and among those available for adults is Medicaid, SSDI and SSI, and other benefits at the State and Federal level such as Section 8 Housing and food stamps as well as private sources such as Catholic Community Services and similar church-run programs. The Salvation Army is a resource, as well.
Your adult loved one may be eligible to apply for SSI (check on the asset limitations) or SSDI which can take time but is worth the time and paperwork. S/he should be able to find an attorney who will do this for her/him pro bono and as a compensation will receive a percentage of the declaration of support which usually is retroactive from the time your son or daughter sank into this quagmire of an eating disorder. The attorney will help your son/daughter figure this out as part of the application process. A judge will have the final say. It's possible on at least the first go-round that the judge will deny your application. Your loved one (and you) needs to know not to give up! The attorney should know this, too, as it is not unusual.
In the meantime, if necessary for your family encourage your daughter/son to sign up for Medicaid which should be available to her/him as a low income/no income individual. If your adult loved one has worked, s/he probably has paid into the system through payroll deduction and is eligible for these kinds of benefits. Some states offer a low cost health insurance program with a very small co-pay if the person is not eligible for Medicaid. Many states are struggling with their own financial issues but it's worth it for your loved one to pursue all these angles.
Once your daughter/son, should s/he choose to apply, is ruled eligible to receive SSI and begins to receive the financial assistance, her/his medicaid health coverage usually becomes part of this entire package. Keep asking questions. All states are different.
Your daughter/son may also become eligible for what's known as Section 8 Housing. The application process for this is also long and tedious but ultimately the cost (the rent) is subsidized. The waiting period can be very long, however.
Until your daughter/son obtains all/any of this assistance, s/he is going to need to find a place to live if s/he doesn't have one or cannot live with you (for a variety of reasons). S/he or an advocate (usually you) will want to check out long-term group homes or shelters for those who have brain disorders/mental illness. If one is assigned, her/his mental health provider can help her with this. Usually these places are locked up at night and have someone who leads group sessions and that sort of thing during the early evening. Since they are run by non-profit organizations, there is usually oversight and rules. Often there are chores, so to speak, that they are assigned to do. Other options of course are group homes identified by a mental health provider or friends who are willing to share their home with your loved one for a low rent payment. The Gospel Rescue Mission is an example here in Arizona.
Your loved one's journey may have included what is known here in Arizona as Title 36 procedures. Depending on your State's laws, it may be possible for you to have your loved one picked up, taken to a hospital, and legally evaluated for their danger to self. Some states prohibit this; others have a set time-line during which the person is evaluated.
If the decision is to keep the person because of their mental/physical state, there is a time period within which next steps must be taken including a decision for a hearing with a judge. These steps include a more thorough evaluation of, for example, their danger to self. I'm keeping this general because there's so much variation among states.
Ultimately, there is the possibility that the judge will rule the person to be SMI, meaning Seriously Mentally Ill, at which point the person can be assigned to a mental health provider that is by law required to oversee the mental health care and treatment of the individual. The judge's ruling may include Court Ordered Treatment. This can include treatment in a residential facility, especially if a precedent has been set. Again, the laws vary as do the facilities. Even where I live, those familiar with ED treatment know to which hospital one should take your loved one where they will encounter hospital personnel who are familiar with eating disorders and who are more likely to follow through with commitment and a thorough evaluation. As I've said before, others are more inclined to simply provide an IV, stabilize electrolytes, and turn the [emaciated and endangered] person back out on the street. I cannot begin to tell you what it feels like as a parent to watch a facility keep a loved one for only two hours in spite of the person's obviously emaciated condition and then release them.
As more information about eating disorders goes mainstream and doctors and other people in health care are educated, I believe that better and longer treatment will become available.
Once the Court has declared your family member to be seriously mentally ill, the next step is to find a facility that has a contract with the State for this kind of treatment. Often one does not exist. Contact your state legislator or representative for help to find out more information. If the person is under the age of 18, precedent may have been set by another person needing treatment for the person to travel out of state to good facilities that will accept Medicaid. Florida, for example, has done this. Arizona has in the past, as well. These arrangements are known as single case agreements.
Our local
mental health community has collaborated in the development of a Crisis Response Center (CRC) at a local hospital where people can go for immediate help and evaluation. Perhaps yours has done this, as well.
Some law enforcement agencies require officer training to include working with people who have brain disorders/are mentally ill. Others do not. It's important for you to know what is available where you live.