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Financial Issues

Insurance:

Mental health treatment and medications are expensive, and parents discover that benefits for these services for children do not cover everything they need. Because parents are responsible for payment for mental health services and medications for their children, parents should know what is covered and what is not. Check the information in the Member Handbook

CHP+, the State of Colorado program for low income families, is available through your county Human Services office.  They provide screens for Medicaid eligibility and families are given advice on how to proceed. When the family income changes, the Medicaid eligibility can also change.  

If your child has a mental illness that is severe and disabling, the child may qualify for Supplemental Social Security (SSI) payments. SSI payments can help pay for the child’s basic needs.  Contact the Social Security Administration office for information about applying for SSI. A child qualified for SSI will automatically be eligible for Medicaid Insurance, which will pay for medically necessary treatment as well as medications. 

You can contact the Social Security Administration by calling your county Social Security Office or check their website at www.ssa.gov.

Proving Disability for SSI:

In order to get SSI, there are many requirements and you must prove your child’s disability.

Disability for children:

  • Requires a child to have a physical or mental condition or conditions that can be medically proven and which result in marked and severe functional limitations;
  • Requires that the medically proven physical or mental condition or conditions must last or be expected to last at least 12 months or be expected to result in death;
  • Says that a child may not be considered disabled if he or she is working at a job that is considered to be substantial work.

Continuing Disability Reviews are required at least every three years for recipients under age 18 whose conditions are likely to improve and also may be required for recipients whose conditions are not likely to improve.

The child's representative payee, usually the parent, must present evidence that the child is and has been receiving treatment considered to be medically necessary and available for the disabling condition.