Anonymous wrote:OP here. We're in Alexandria city so have EI through Alexandria PIES. From what I gather, MOCO and Fairfax County are able to offer more for EI, but no need to go into that.
We have FEP Blue (Care First) basic PPO insurance. It actually covers 52 ST, OT, PT or a combo thereof a year. But we can't find anyone who will take it! We did check out Children's Speech & Language, but they don't take our insurance. I've heard and read good things about the practice though; we were actually referred to them by our developmental pediatrician. We may end up going there in the end even though it will all be out of pocket.
If you pay OOP, can you submit for reimbursement? Our crap insurance doesn't have any coverage for speech, but that's what we do for any other un-covered provider. While you'd have to shell out up front, if you found a no/low interest credit card to put the charges on, you'll still have to pay some yourself, but a lot less than footing the full payment.
Our 2yo child also has an expressive delay, and even increasing from once a week to 2x a week has proved to be really beneficial - so maybe once a week with EI and once a week private, if you can manage it.
The costs are definitely prohibitive. We can swing it, but not easily. I think you do what you can, evaluating as you go. Our pediatrician suggested that speech was something where we want to do as much as possible, and that's what we've done. Would adding an additional session a week help even more? Maybe. But we are doing what we can.