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Health Insurance and Learning Disabilities
We are beginning the process of navigating the murky waters of learning disabilities diagnosis for our soon to be 10 year old son. Our insurance is Blue Cross, who will give us absolutly no information about what they will and will not pay for in regard to this type of testing. I have requested the paperwork from Children's Hospital to be placed on their waiting list - which is now well over 6 months long. The school psychologist has recommended (and we strongly agree) that our son be tested over the summer so that he will be able to begin 4th grade with an educational plan. This leaves us only with the option of a private evaluation - ie, one we pay for up front. We are willing to beg or borrow the money to do this but would like to hear from families who have gone this route - did your insurance company reimburse you? Any advice on how best to proceed? Thank you for any and all advice.
I expect much depends on your actual insurance, but we've had no success either with our HMO (Pacificare, through the University) or through our PPO (Aetna, through a large multinational). About the best we can do is to get Medical Care reimbursement, through a tax-saving plan.
I'd guess over all we have spent well over 20k treating thisout of pocket. We have finally, through the school, started to get some remediation in the school, now that he is in the third grade. This, by the way, is not through an IEP, but through a 504 plan for a disability.
Good Luck. Oakland Mom
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