Can the Self-Determination Program (SDP) pay for services that private insurance won't cover?
SDP will not fund therapies that Medi-Cal is required to fund. Go to your Medi-Cal managed care plan and find out if they have specialists who treat your child's condition. School is another resource if your child needs a specific therapy to access the curriculum. Schools sometimes contract out for certain therapies.
Once you have exhausted generic resources, Self-Determination Program can help fund your child's unmet needs, such as services that your private insurance won't cover. You'll need to get denial letters from your insurance and then make a specific case for why that service is needed for your child. Be careful that the insurance denial letter doesn't say your child doesn't need it because then Regional Center will likely also deny.
Note that Regional Center will often only pay for evidence-based services, so be prepared to make your case for a specific therapy, adaptive clothes/shoes, or whatever it is you are seeking to cover.
Some Undivided families include services that insurance won't cover as executive function support or community integration support.
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