Reply to Fairfax ITC, feeling overwhelmed

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[quote=Anonymous][quote=Anonymous]Depends on your services. PT and OT should be covered by insurance and you'd pay your insurance co-pay, BUT only up to your cap each month. So let's say you were getting weekly PT for your child and your co-pay was $30 per visit. But if your monthly income based amount was only $100 you would only have to pay $100, not $120 ($30 x 4 visits in a month).

[b]Services for speech and education are a little different because insurance doesn't cover "education" which is what speech/communication is at this age ... generally they won't start actual speech therapy until 3 [/b]at which point you could get it free from FCPS through child find anyway. So then you pay your family contribution amount each month. If your insurance co-pay for speech therapy is less than that, maybe it makes more sense to find private therapy. But ITC will come to your house or your child's day care and there's no trying to make appointments so you do have a lot of convenience. Our family cost share was determined to be $90, but our office visit copay for a specialist is $40. So with weekly visits from an educator for my speech delayed toddler we come out ahead with ITC vs. trying to see a private speech therapist. [/quote]

Could you elaborate on the bolded?  My DS began receiving ST through ITC at age 2.  It was definitely therapy and was provide by an SLP not an 'educator'.  He was later diagnosed with apraxia of speech and MERLD and has been consistently receiving ST through by the school SLP and a private SLP for the last 10 years.  He never saw an 'educator' for his speech/language issues.[/quote]

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