Undivided: Private Insurance Options for Kids with Disabilities

Private Insurance



It can be daunting trying to make sure all our kids' therapies and supports are funded, but private insurance is often the first place to start. With these resources, you can learn the ins and outs of your health plan. Read about EOBs, claims, appeals and denials, annual deductibles, and more.

What can I do if my insurance claim is denied?

If you submitted a claim for a service that your child’s doctor says is medically necessary and the claim was denied, you should appeal the decision. Check out this article for what to review before you submit your appeal and how to communicate with customer service to ensure that everything gets processed correctly.



What can I do if my insurance claim is denied?

How do I review my health plan and understand my coverage?

Where can I find an in-network provider?

What options are available if my insurance plan won’t cover the service or equipment my child needs?

Related Parent Questions

What should I do if my insurance claim gets denied?
You'll need to know the reason for an insurance claim denial before you can appeal it. You should also know your deductible, know your benefit and session limits, and know when to submit your claim to make sure you have grounds to appeal.
What is coordination of benefits?
Coordination of benefits (COB) refers to the method that insurance plans use to provide coverage and determine payment responsibilities for someone who is covered by more than one health plan.
How do I reserarch in-network options for pediatric therapy services?
Here are the best questions to ask when looking for out-of-network pediatric therapy services,

Latest Resources


Promise Image
Each piece of content has been rigorously researched, edited, and vetted to bring you the latest and most up-to-date information. Learn more about our content and research process here.
A Navigator is your Partner at each turn
Every Undivided Navigator has years of experience supporting families raising kids with disabilities or parenting their own. Partner with an Undivided Navigator for a free Kickstart to learn first hand what support feels like!
Expert-driven content, guidance, and solutions.
Member events and office hours with real answers, plus access to our private parents' group.
Priority to begin a free Kickstart of the Undivided Support System with a dedicated Navigator.
“It’s so helpful to have one place that you can go to get many answers.”–Leeza Woodbury, with Navigator Kelly since 2020
*Currently offering Navigator Kickstarts to residents of California