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Out-of-Pocket Expenditures

Payment for services not covered by a health plan — such as therapies, home health care, prescription drugs, and dental services — may be a particular burden for families of children with special health care needs (CSHCN), who may need a wide variety of services and who may use more services than other children. Families of nearly half of CSHCN report spending $250 or more a year for the care of their child with special health care needs. Thirteen percent reported spending between $501 and $1,000, and 11 percent spent more than $1,000 a year.

Financial Burden

Both the out-of-pocket expenses associated with their children’s care and the need of some parents to cut down their work hours to care for their children can create financial burdens for families of CSHCN. The parents of just over 20 percent of CSHCN report financial problems due to their children’s conditions. Financial burdens are twice as common in low-income families of CSHCN as in higher-income families.

Graph: Out of Pocket Expenditures for Care of CSHCN[d]

Graph: CSHCN Whose Families Experience Financial Problems[d]