-Call your county government Family and Youth Services office to sign up for state based Early Intervention services that will give your child free therapy if your child is evaluated to be more than 25% delayed. Click here for a link to the National Information Center for Children and Youth with Disabilities.

-Sign up for Medical Assistance (Medicaid or another name depending on your state of residence) which will cover anything your primary insurance does not cover. The law is "loop hole child law 355.14 in the PA handbook," a special benefit for disabled children. It is possible that the wording may vary from state to state or that your state may not even have the program.

-Sign up for SSI benefits based on your financial need.

-Your health insurance company may have a specialty group for "special need." They may also have a program to allow for going out of state for specialists not in your area. Working with the insurance company can be frustrating at times, but don't give up! Keep talking to different people at the company-one may know something that another does not.

-Look into the Neuro-Developmental coverage with your insurance company. This benefit is in certain states only, but it covers all types of therapy on top of what the insurance company already covers for physical or occupational therapy. Ask about the program and explain that your child has had a neurological injury since birth.

-Another helful tip is to break down your child's diagnosis into parts. For example, one diagnosis could be the brachial injury, another could be Horner's Syndrome (if your child has it), another could be hypotonia or low tone (if your child has it), etc.