Heck, I'm glad I have STATE insurance. Everything was covered 100%. Guess there are advantaged to being pooor! :smile: PLus son was a special needs adoption and he is automatically covered. I wanted to say that you need to call around to see if anyone will take payments. A neuropsychologist may cost less and I love them. They really "got" my son and did a lot of testing. Also, I'd fight with the school district big time. My son had hyperlexia--he could read at two, knew his colors, shapes, alphabet, numbers, etc. but he was on the autism spectrum and desperately needed interventions anyways. It's not just if the kids are cognitively delayed. My son had some developmental delays--speech, motor skills, he had sensory issues, etc. I guarantee you that your child's behavior will affect her learning. If you are going to stick with the psychologist, I would be leery of the diagnosis and take it with a grain of salt. They have no medical degrees and tend to be pretty bad at diagnosing (usually they diagnose all kids as ADHD and ODD--ODD is rarely diagnosed by a real Psychiatrist). Call the Maryland State Dept. of Public Education and ask for the Special Needs Advocate. She/he will tell you what your child is entitled to. We got tons of help from our own STate Dept. of Public Education. They wouldn't let our school district get away with that "He doesn't qualify" bit. And they hold the purse strings to the school district.