OT: insurance coverage for speech--BCBS PPO

[Guest guest]

hi all

i need some input here...i live in MA. we have BCBS of Kansas City PPO

in the benefits section is says that speech therpay has to be pre approved.

speech therapy is paid for loss of speech due to injury or cleft palate ie

physical problems

in the exclusion and limitation section it says that no coverage for any

therapies related to autism, learning disablity etc.

so does that mean there is no chance of getting private speech covered?

even though the codes mentioned on the bill from speech path does not have

autism code 299.00, when i called BCBS they asked for assessment report from

speech path which mentions the autism word many times.

for so many years i have been paying out of pocket. i feel i should try again to

get the insurance pay for it...

so what are my options?

thanks

darshana