There are many reasons why motherhood of a child with special needs is difficult - none of them pay medical bills that can bankrupt you if they are not covered in some way. Fortunately, there are many resources for families that have children with special needs. While specific resources vary greatly from one community (or even school) to another, here are a few broad strokes from which you can access any family with special needs.
Federal resources
Any child with a low degree of disability in the United States has access to a number of special medical programs. These programs include the obvious — Medicare, Medicaid, and Social Security Disability — but offer an initial set of services through these few options. This depends on each state in which strictly programs are offered, so ask your government about the relevant booklets and read them.
In the worst case, the federal nuclear option - declaring bankruptcy - will release your child’s medical debt, albeit at least.
State resources
As with all of the above, each state manages its health care programs, so asking an expert in the state government is often your best idea for accessing this information. The key is to ask about each of the main categories of resources individually: ask about grants, ask about loans and ask about special needs trusts, and ask about insurance additions or replacement insurance.
Local resources
Surprisingly, in some places there are many medical options for children, and in others - a little further. Look at your local regional aging agency for a fairly detailed list of local charities, community organizations, and other specific programs that can help you and your customers.
Resources for specific objects
In addition to all this, many individual institutions have their own programs, most often created by philanthropic donors to help the helpless get what they need. These programs specifically target children with special needs, starting with regularity, but at the same time they rarely voluntarily participate in this institution — you must ask about them in order to learn about them and implement them.
Hired guns
It is interesting to note that one of the recent events related to medical bills is the emergence of paid lawyers for billing services; who will work with the hospital ombudsman or other appropriate representative of the other party to either clear your debt, or at least significantly reduce it and impose a payment plan. The best of these people still cost money ahead, but they can save you thousands over time.
Crowdfunding
This is rarely considered socially acceptable, but if you are smart and personalized, you can deliver the ultimate help to me. - tell your story on Facebook, Twitter and everywhere on the Internet, and then start a campaign on GoFundMe. Just make sure you follow the rules (many of these sites forbid the campaign to pay bills). This is honest, but it’s worth doing before considering something like bankruptcy.
