I've spent my day on the phone with various insurance providers, searching for a solution to this problem. I spoke with several companies and provides before finally calling the High Risk Pool. This is the information I received.
There are three different plans, two that fit our budget perfectly.
They cover medical expenses and have reasonable co-pays, even for specialist visits.
They cover therapeutic needs, even past age 3.
They cover her on going hearing tests, although not her hearing aids. No big deal, we only got $500 from our current insurance to help with her aid. We can handle paying the full amount out of pocket when it comes time again.
I explained that she has no official diagnosis and asked about eligibility.
She said that if KayTar was either denied coverage previously or was accepted, with the exclusion of some of her needs she is eligible.
I have an email from the agency we used to apply for insurances stating that they cannot cover her therapeutic needs. I would just have to get that on their letterhead and we are in.
She asked, "Are you or your husband employed? Does his employer offer group coverage?"
Yes. He is. They do. And it sucks and costs your YEARLY DEDUCTIBLE every MONTH.
I asked, "If his group coverage does not cover some of her needs, can we still qualify?"
She put me on hold for a few minutes and came back with a voice filled with apologies. Any group coverage, ANY group coverage. Expensive, awful, worthless, ANY. Any group insurance is a deal breaker.
And so we have one less option. The one option that we thought might work the best.
It shouldn't be this hard.