Funding for Special Cases (Military)

Military health benefits cover a lot. However, families of children with disabilities such as autism will need additional funding. Autism is covered under TRICARE, but there are additional programs that you, as a military parent, will have to enroll in. The coverage is substantial but may not cover absolutely everything you will need to ensure your child has the care he needs to thrive.

Eligibility

Today TRICARE covers ABA through its Autism Care Demonstration (ACD). Your child needs an autism spectrum disorder diagnosis and a referral for ABA. Families of active-duty service members also need to enroll in the Exceptional Family Member Program (EFMP) and register in the Extended Care Health Option (ECHO). The current rules are at tricare.mil/autism.

Tricare

Tricare is the military’s healthcare insurance provider. According to the Tricare.mil website, you must be “a person currently serving in one of the seven uniformed services of the United States under a call or order that does not specify a period of 30 days or less.” You must be considered to be in “active duty” status.

Extended Care Health Option (ECHO)

As a service member or dependent, you must be registered with the Extended Care Health Option (ECHO) program. ECHO is a supplemental program in addition to Tricare’s basic coverage that provides financial assistance for services and supplies. There is no enrollment fee for ECHO, but a family member must:

• Have an ECHO qualifying condition: autism qualifies
• Be enrolled in the Exceptional Family Member Program (EFMP), provided by the parent’s branch of service
• Register for ECHO with ECHO case managers in your Tricare region

Coverage Limits

When this was written, enrollees in the ECHO program were eligible for up to $36,000 per fiscal year. Those funds are solely for the care of your child with autism. The coverage is not associated with other medical expenses that may arise outside of your child’s autism care. For example, if your son has to visit the ER for injuries from riding his bike and the injuries are unrelated to his condition, the costs of that visit are not deducted from the $36,000. There are monthly deductibles associated with using the ECHO program, ranging from $25 for an E-1 to $250 for an O-10, but only if services are used that month.

Educational Interventions for Autism Spectrum Disorders (EIA)

Tricare uses what is called Early Intervention Providers (EIP) who can provide their services at your child’s school and/or at home. The providers are broken down into two groups: tutors and supervisors. Tutors are likely to be the behaviorists that come into your home to help teach ABA techniques while supervisors teach at schools and daycares, in addition to monitoring tutors. There are limitations on how much home coverage is provided; an ECHO supervisor will be able to explain what the precise limitations are.

Additional Resources (Parents)

Teaching parents how to help their children with autism is covered by the Specialized Training of Military Parents (STOMP) program. STOMP provides training about laws, regulations, and resources for families of children with disabilities. STOMP also helps families develop their own parent education support groups while providing a voice for the families.

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