Build Special Needs Insurance: What Schools Cover vs What You Pay
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Build Special Needs Insurance: What Schools Cover vs What You Pay
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Welcome to Parenting Special Needs Kids : Let's Make Sense of This Sh*t. I'm Jamie. When you open that IEP document and see therapy services listed, it is easy to assume the school insurance plan will cover everything. However the reality often looks different once bills arrive. Many families discover that schools pay only for services delivered during the school day while families handle the rest through private insurance or out of pocket costs. Because the lines between educational needs and medical needs blur quickly, parents end up sorting through prior authorizations and denied claims on their own. That said the confusion grows when an evaluation recommends hours that exceed what the district budget allows. Instead of guessing what counts as educational versus medical you can start by checking the exact service minutes written into the current IEP. Meanwhile compare those minutes ag
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