Insurance questions...some better than others?

[Guest guest]

I have read The Late Talker and learned so much! I feel like there

is still much more I need to be aware of in starting this process.

My first matter regards to specific insurance questions.

My husband's work provides BCBS. There are a couple of pediatric

SLP who are very familiar with apraxia here in Knoxville,TN. One

does not take any insurance (of course she is my favorite) and the

other place called Child and Parent Services (who I have heard great

things about) will not take BCBS. The is a SLP here who takes our

BCBS but does not specalize in peds or apraxia.

Is it worth the extra money to get additional/separate insurance on

my 2yr old son simply so he can be " covered " under Child and Parent

Services?

I am worried that the covered insurance (either aetna or united)

will deny the claim.

Once you factor in coinsurance and deductibles how much relief do

you actually get from insurance?

Is there a certain company that is better than others for these type

of billing claims?

The certainty of paying out of pocket is mildly appealing, however,

we are a very young family who is financially struggling as it is.

Any advise and/or expierience would be much appreciated!

Thanks,