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You have to push for it. I have UHC high deductible and they initially denied the claims. After the provider submitted enough documentation, they approved 30 visits per year. But I do still need to meet my deductible.
I’m sure it’s different by state, but check with your school district to see if they offer support based on your child’s age. In Texas, once a child is 3, they can be evaluated to determine if they meet the threshold for speech services. The ISD provides those services without charge (other than what we already pay in the form of school taxes).