Depending on his or her specific needs, a special needs child turning 18 could require significant health care or need no immediate coverage. Some parents have health insurance that covers their child with special needs if the child is still living at home due to significant disability. However, each health insurance company’s definition of a disability may or may not match the Social Security Administration’s definition (making it possible to receive federal disability benefits without qualifying for private insurance), the insurer may not offer coverage for the specific drugs or services the child requires, or it may not offer coverage for adult children with disabilities at all, making it all the more important to review the family insurance policy to determine what further coverage a child’s condition requires.
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