ADHD Insurance Speech and OT

Andrea - posted on 10/22/2013 ( 12 moms have responded )

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We are in the process of acquiring new insurance. Currently we are with Cigna and I know that plans all differ. We are self employed so it will be an individual plan. Cigna will not cover speech for my son as of now and what Im inquiring about is does anyone know of an insurance company that is paying for speech and possibly OT. Right now I am having trouble trying to get the school to give him speech because he is not severe enough. He is right at the cutoff and their numbers are on the really low end already. I know that people here have to have heard of others going through this please help. I am just hitting road blocks but my son needs extra help.

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Charmaine - posted on 10/26/2013

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It's a insurance company name REM my daughter is cover by this company she is getting PT,OT,SPEECH in it cover doctor appointment in are her equipment

Elizabeth Kathryn - posted on 10/23/2013

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That is my sons issue we know he can hear. But what is he hearing?
His words are off and they think it's more than a speech delay bc he uses the same words but the don't even sound close to the real word. They are going to try a trial run with one hearing aid. We have a PPO! Bc I got sick of asking people for approvals. I go without so we can have it. But it's worth it. Yes you can. Pitition for anther school. In Ca you can. I'm not sure wher you live.

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Andrea - posted on 10/27/2013

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Interesting analogy Glorya I am going to check on what I can. I am new to the diagnosis and knowing that he may be covered by disability. I have alot of research to do. Charmaine I will chk out that ins co. thx

Gloyra - posted on 10/25/2013

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It's just that a child with a disability is so outlandishly expensive if you can't afford insurance and your home that is why you appeal to the government. That's just the advise I was given. Just give it a shot. Be proud your not a dirty whore and your a good mom

Gloyra - posted on 10/25/2013

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Sorry but for my sons language prob a speech therapist can only work for 20 minutes max in a school day so that hourly rate cut by increments could boil down to 250 a month which is a lot but considering the trouble finding the right insurance that cost might be harder. If your son has a disability why not apply for social security disability so at least they can bill Medicare

Andrea - posted on 10/25/2013

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Glorya,

I wouldnt mind paying if it were affordable so far the OT is 65 an hour and the speech that I checked into was 75 an hour. Hopefully Monday we can get something accomplished. Thanks for the advice it means I need to check around some more.

Andrea - posted on 10/25/2013

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Kathryn

Thanks for the info. We have a meeting scheduled with Trevs school on Mon hoping to get what I think he needs. Insurance I am just going to make sure I get one that is about helping ADHD children. That way I can get accomplished what needs be. Let us knw how the hearing test went for your little guy.

Gloyra - posted on 10/25/2013

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Pay for the services out of pocket it's 25 for 15-20 minutes a day and if he needs a self pay mom some therapists will work with you and probably give you a special rate. The school systems needing medical insurance for special needs is a little foolish. Our defense gets way more than our education systems but tangent sorry please contact the school provider and make a deal

Elizabeth Kathryn - posted on 10/24/2013

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Good luck to you honey ! I 'll pray that you find all the answers you need .
I know it can be hard but keep going. Tomorrow is my sons 3rd hearing test.
So will see how it goes.

Andrea - posted on 10/23/2013

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Elizabeth,

Thank you I just talked to a woman from Raising special kids. She is worried that I am falling right under the cusp and that even though I and she knows he needs special services he just may not. So I am asking for re-evals for now and possibly a 504. She said if he does not qualify then revisit the issue in two years which is what she herself had to do. Then she got the help because it was prominent by then. In the meantime I need to get an insurance that covers stuff now and if I cannot do that we will pay out of pocket for what is necessary. Fun stuff I guess this is my official welcome to being a mom with ADHD in house. :)
BTW she suggested a great company called rightslaw.com and hitting the bootcamp she learned so much from it.

Andrea - posted on 10/23/2013

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Yes he has been tested. Ive had two Drs suggest speech and Ive went to a place called the Mel Med center who suggested speech and OT
. I think Im going to check into Blue cross blue shield. I am also struggling with his school to get him speech because he has a slight delay which they believe that it should be dealt with in his K class and at home. His delay fits right under the score thats keeps him from getting the extra help. The score that will get him the speech is low already and he is under that. I was thinking about checking with another school to see if he would qualify at another school. Trevors testing for his ears came back as a refer and I do not think that it was done again. I know he can hear but what is he hearing?

Elizabeth Kathryn - posted on 10/22/2013

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Have you told you pediatrician that he's having trouble talking? We have blue shield and are also self employed. Your son has to get evaluated first. And needs to get diagnosed. By some one they approve of . My so got tested for everything. At the Boone Fetter clinic at children's Hospital Los angles . He is very behind in his speech . I even had to get his hearing tested . And we found out his hearing is not so great . Call your local
children's hospital tell them your son needs to be evaluated . If you have an HMO . You need to get a perscription for you Dr. Saying he needs to be evaluated. Other wise they won't do it. And get in touch with your local regional center. If a Dr . Diagnoses your son with a speech delay they should be able to get you therapy through your insurance. And make sure you get his hearing tested.

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