OK, so you’ve got a diagnosis for your child, and the diagnostic team prescribed 25 to 40 hours per week of individualized therapy for your developmentally-delayed child.
Occupational therapy, physical therapy and speech therapy each cost about $120 per hour (or more) in my region. A home-therapy program in Applied Behavioral Analysis or Applied Verbal Behavior costs about $20,000 to $30,000 per year.
Where I live, insurance companies are not required to pay for therapies related to a developmental delay. All of my son’s therapies outside school have been out-of-pocket expenses.
In my home state, an early intervention program usually provides 6 hours per week or less for a child with global delays. After age 3, a child with global delays is eligible for about 12 to 15 hours per week of public preschool, but not all of those hours are dedicated to individualized therapy.
How are you going to get the quantity and quality of therapy that your child needs without going bankrupt?
The truth is that plenty of families do go bankrupt pursuing therapies for a child with special needs. But it may not be necessary. I’ve learned several tricks to stretch my family’s therapy budget while maintaining a healthy quality of life for all of us. Here are some suggestions that may work for your family, too.
1. Know what you’re looking for.
There are so many different types of therapies and school programs based on all kinds of philosophies, it can be tempting to try a little bit of everything. But that’s not cost-effective. The first step in the therapy process is to isolate specific goals for your child and for your family. Then identify your family’s unique values. Find the therapy that fits in with your goals and values.
My husband and I realized during the evaluation process that our son needed relationship-based therapies, not behavior-based therapies, to make developmental progress.
2. Pack up and move.
School districts may offer the same services on paper, but the delivery of services can vary widely in practice. It is worth asking around and visiting programs in other school districts to get a better idea of what’s out there. It is even worth considering a move to another state and a career change if better services are offered there.
We had a negative experience in our original school district, but we found an excellent program in the next county that fit our son’s needs. We sold our house in the old school district and rented a condo in the new district. Our stress level was suddenly alleviated: we no longer had to fight for what our son needed. It turned out to be one of the best decisions our family could have made, because our son made rapid progress with the extra support, and even “graduated” out of special ed within a few years.
On the flip side, a friend of mine moved into our old school district because one of the special ed programs there was tailored exactly to her son’s special needs. What works for one family may not work for another family.
3. Ask for homework.
If your child is already receiving services through a school or private clinic, always ask the therapists and teachers for extra therapy exercises that you can do at home.
If your child is not eligible for services in a particular area, you can still ask for home exercises in that area.
My son no longer qualifies for occupational therapy at school, but I asked for and received written suggestions for fine-motor exercises to help him at home. Even if you and your child only do the exercises for 5 minutes at a time, the extra practice will reinforce your child’s developmental skills. As a caregiver, you have access to the child’s “teachable moments,” so you really are the best person to be helping in this area.
4. Compare prices.
I have found private speech therapists who charge from $70 per hour to $250 per hour. The speech therapist who charged $70 per hour worked out of her home office, which was ideal for my son, since he had a phobia of anything that looked like a doctor’s office.
She even had a glass door for her office, so once my son became settled, I was able to step out of the office and observe everything from the other side of the door. She earned my respect and gratitude. She was the most creative speech therapist I’ve ever met – she taught me as much as she taught my son!
5. Ask for a discount.
Some private schools, clinics and non-profit organizations offer a 5 to 10% discount for pre-payment of several therapy sessions. It sure doesn’t hurt to ask. In some cases it may even be possible to barter services, such as IT support or advertising, in exchange for therapy.
6. Parent training.
This is the least expensive way to get those 25 to 40 hours of therapy every week. Parents with no previous therapeutic experience can be trained in play therapy, Brain Gym, Applied Behavioral Analysis, as well as some types of recreational therapy.
My husband and I learned how to use play therapy techniques in everyday activities, so that every experience became an opportunity for growth for our son. We’ve had therapeutic breakthroughs in some surprising places: attending worship services, volunteering together at a nursing home, visiting a noisy, crowded amusement park.
7. One therapy at a time.
Instead of loading up on a different therapy every day of the week, consider trying one therapy for a 6 month block. At the end of the 6 months, you should have a folder full of home exercises and notes from the therapist that you can continue to use at home while you start a new therapy. You can always go back to the previous therapy if it was more effective.
8. Substitute a less expensive therapy with the same goals.
At one therapy clinic, occupational therapy is $60 per 30 minute session, but music therapy is $25 per 30 minute session. The music therapist incorporated all of my son’s speech, emotional and occupational therapy goals into each session (find a board certified music therapist in your home state here). We supplemented the music therapy by buying a used XBox and Beatles RockBand game, so that our son could sing and play drums on increasingly difficult songs. He still has difficulty with the guitar part of the game, but is highly motivated.
Another less expensive way to pursue therapeutic goals is through private lessons in gymnastics, swimming, rock climbing, yoga or tennis. In my city, a 30 minute private gymnastics lesson costs about $15, and the coach will work on our son’s fine-motor and gross-motor goals. We tried yoga for 2 months, and the instructor suggested that we buy Yoga Pretzels by Tara Guber and Leah Kalish to continue yoga at home.
9. Scholarships, grants and research studies.
A handful of charitable organizations, such as Easter Seals, offer scholarships or grants to families to pay for therapy or recreational programs. Universities and research hospitals sometimes sponsor studies that include therapy for a specific period of time.
10. Katie Beckett Waiver.
The Katie Beckett Waiver, also known as the Medicaid Waiver, is intended for children with a permanent disability. The waiver entitles the child to Medicaid coverage for medical bills, therapy, prescriptions, respite care and medical supplies. Here are application instructions for the waiver: http://www.specialfriends.org/Waiver.html
How are you stretching your therapy budget? Please share your creative therapy ideas in the comments below.