One of the biggest challenges families often face is funding all the therapies, camps, equipment and other services their children need. This guide provides resources Northeast Ohio families.
Step 1: Call your insurance provider.Before beginning your search, call your health insurance provider to determine what they will cover. Many insurers offer coverage for a limited number of therapy visits with associated diagnosis and still others may have complementary/alternative medicine (CAM) programs that cover therapies like aquatics, etc. If therapies aren't covered, you may want to consider whether an insurance plan through the Affordable Care Act (ACA) is an option for your family. See the Insurance section for more information. | Step 2: Check with the Children with Medical Handicaps Program.The Children with Medical Handicaps Program (CMH) is a supplemental insurance program that helps families to cover out-of-pocket costs for diagnosis and treatment of conditions classified as “medical handicaps.” See the Children with Medical Handicaps Program section for more information. Note: Families with significant income limitations may also qualify for SSI, a safety-net program which includes Medicaid health insurance. | Step 3: Ask your school district.Depending on your child’s age and disability status, you may be entitled to therapy services through early intervention or through your home school district. For more information on these options, see Early Intervention (birth to 3) and Schools (3 and up). | Step 4: Look for state or county resources.Depending on your income and county of residence, you may be eligible for a state- or county-based family assistance program. See the County & Sate Resources section for more information. |
Step 5: Apply for a scholarship.The state of Ohio offers scholarships for children with an autism diagnosis and for children with other disabilities attending a public school under an IEP. Both scholarships have rolling enrollment deadlines and require students to “opt out” of home school districts. For more information, see the Scholarships section. | Step 6: Apply for grants from nonprofits or charitable foundations.There are many nonprofit and charitable foundations across Northeast Ohio (and the state) that offer grants to families in need. | Step 7: Contact a lending library.Nonprofit “lending libraries” sometimes purchase therapy equipment and allow families to borrow these big-ticket items to provide at-home therapies. Check the Lending Libraries section for a list of these resources. | Step 8: Try fundraising.More and more families are using online fundraising websites to help pay for therapies and treatments that are not covered by medical insurance. The Fundraising Sites section identifies a few of the largest online fundraising sites. |
Using InsuranceWhen calling your insurance provider, have your diagnosis codes ready and be sure to ask about:
If Therapies Aren't Covered:Unfortunately, many insurance providers do not cover therapies such as Applied Behavior Analysis (ABA), occupational and speech therapies. If your provider does not cover the therapies your child needs, you may wish to consider a separate insurance plan for your child through the Affordable Care Act (ACA), also known as "Obamacare." To research ACA-compliant plans, visit HealthInsurance.org. Through the site, you can even obtain free health insurance quotes or receive free help from licensed agents by calling 1-844-608-2739. If Medications Aren't Covered:Families who use medications to help their children get the most from therapies may see a cost savings (which can result in additional money for therapies) by using several different prescription cost reduction options:
| What is a diagnosis code?Diagnosis codes are used to identify a specific illness or injury and will be assigned by your health care professional. These codes are then used by your insurer to determine eligibility for benefits. Read more about diagnosis codes on Wikipedia. |
Children with Medical Handicaps Program (CMH)CMH offers three core programs (in addition to several smaller, diagnosis-specific programs):
You can learn more about CMH and begin the application process from the Ohio Department of Health website. Please note that only a CMH provider can submit your application. Ask your child's health care provider if they are a CMH health care provider or use the locator from the Ohio Department of health to find a provider near you. | The Children with Medical Handicaps Program (CMH)
is a state-run program that provides supplemental insurance to families
of children diagnosed with a medical handicap. These diagnoses may
include (but are not limited to):
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Early Intervention (birth to 3)Ohio's Early Intervention (EI) Program is available at no cost to all Ohio families with qualifying children under three years of age. Call 1-800-755-4769 or complete the online referral to get started with this service. | Autism & EIThe Federal Government requires EI to provide Applied Behavior Analysis services (or pay for a qualified outside firm to provide them) for children under the age of three. Several firms have are certified to provide these services in Cuyahoga County. For more information, contact your EI caseworker. |
SchoolsUnder the Individuals with Disabilities Education Act of 2004 (IDEA), school-aged children with disabilities are entitled to a free and appropriate public education (FAPE). Depending upon the student’s disability status, elements of FAPE may include therapy services, such as speech, occupational therapy and physical therapy. Disability status is evaluated and determined by the student’s home district. For more information or to request an evaluation, contact your local school board. | Whose IDEA is This?For more information on IDEA, the process of determining disability status, and the latest standards, download the free guide, "A Guide to Parent Rights in Special Education." |
Cuyahoga County Board of Developmental Disabilities (CCBDD)
In addition to therapies, training and service and support administration offered through the board of developmental disabilities, Cuyahoga County residents with a financial need may apply for family resource dollars. CCBDD also offers financial support for camps through its campership program. For more information, see the Family Support Program page. For all other services, see the main site. Lorain County Board of Developmental Disabilities (Murray Ridge Center)In addition to service and support administration offered through the board of developmental disabilities, Lorain County residents with a financial need may apply for family resource dollars. For more information, see the Family Support Program page. For all other services, see the main site. State ResourcesThe State of Ohio has created programs to help families access resources to recoup learning loss related to the pandemic. These include the ACE program and Ohio's Learning AID program. Eligible families must experience financial hardship, as defined by the state of Ohio. Ohio ACE ProgramOffers up to $1000 per qualified child for enrichment. Providers who take ACE funds include zoos and museums, aftercare programs, music and arts programs, athletics, and more. ACE funds remain in the student's account until the student either turns 19 or graduates from high school. Learning Aid OhioCan pay for up to $1500 of tutoring services for eligible children per semester. Families who qualify can choose from many different types of educators and tutors. | Types of services the may be covered by county boards of developmental disabilities:
WaiversWaivers are another funding stream that some families can access through their county boards. The Arc of Ohio offers this guide for the different types of waivers available. SSISome children with disabilities may be eligible for Supplemental Security Income (SSI), if the family meets income requirements. For more on SSI, see this topic. |
Autism Scholarship Program (ASP)This scholarship allows parents of children between the ages of 3-21 who are diagnosed with autism spectrum disorders to waive public education and use state reimbursement to cover education and services outlined in a child’s IEP or AEP. Services must be provided from the approved autism scholarship provider list. Learn more about the application process and check for eligibility here. 1-614-466-5743 Jon Peterson Scholarship Program (JPSN)Allows parents of children in kindergarten - 12th grade who have an IEP to waive public education and use state reimbursement to cover education and supportive services. Services must be provided from the approved Peterson scholarship provider list. Learn more about the application process and check for eligibility here. Peterson.scholarship@education.ohio.gov | TIP: Additional family-friendly information on scholarships offered by the state of Ohio can be found on the School Choice Ohio website. |
The following grants can be used for more general concerns, such as education, therapies, respite services, camps or recreation: Chive Charities Community Fund Management Foundation (CFMF) Deepwood Run Foundation Giving Angels Foundation Humanitarian Foundation - Grottoes of North America Jewish Education Center of Cleveland: Gurland Camp Application NuPrisma Grant Oracle Health Foundation Our Military Kids The Maggie Welby Foundation Midwest Council for Children with Disabilities Mike's Kids My Gym Challenged America Foundation James R. Nicholl Memorial Foundation Pediatric Angel Network Rec2Connect Foundation Parker Lee Project Parker’s Purpose Trust the Journey United Healthcare Children’s Foundation Variety: The Children's Charity Zane’s Foundation, Inc. These grants can help to improve accessibility through home modifications, access to wheelchairs and mobility devices or by helping to purchase adaptive equipment. Alyssa V. Phillips Foundation AMBUCS Byron Riesch Paralysis Foundation Chive Charities Christopher's Promise Community Fund Management Foundation (CFMF) Deepwood Run Foundation Friends of Man Foundation Hunter's Hope Foundation Morgan’s Legacy Gift Program My Gym Challenged America Foundation Special Kids Fund Trust the Journey Variety: The Children's Charity Wheelchairs 4 Kids The following grants are designated for individuals with an Autism Spectrum Disorder (ASD) diagnosis: ACT Today! Autism Spectrum Disorder Foundation Beyond Words Foundation for Autism C.A.R.E. Foundation iTaalk Autism Foundation MyGOAL Autism Grant Program National Autism Association Give a Voice Program Share A Vision Suzanne Tyner Autism Fund Trust the Journey Varghese Summersett Autism Scholarship The following grants are designated for individuals with a pediatric feeding disorder (PFD) diagnosis: Feeding Matters Parker Lee Project NOTE: Additional grants that are specifically related to accessibility (home modifications, mobility devices, etc.) may be found under the Accessibility tab. The following grants are designated for individuals with an orthopedic impairment: Challenged Athletes Foundation Giving Angels Foundation Humanitarian Foundation - Grottoes of North America Kelly Brush Foundation The LENN Foundation Triumph Foundation Keep Moving Forward (KMF) Grant Trust the Journey United Cerebral Palsy (UCP) Elsie S. Bellows Fund The following grants can be used to help cover the cost of speech and language therapy, communication devices, or hearing aids: Alexander Graham Bell Association for the Deaf and Hard of Hearing HIKE Foundation Small Steps in Speech Foundation The Orange Effect Foundation Travelers Protective Association Hearing Trust The following grants are designated for individuals with trisomy-related diagnoses, including Down syndrome: Down Syndrome Association of Northeast Ohio Family Grant Program Molly Bear Foundation Trust the Journey Varghese Summersett Down Syndrome Scholarship The following programs are available for families with children who are blind or who have low vision: Association of Blind Citizens (ABC) National Federation of the Blind - Free White Cane Program Seedlings Braille Books for Children Trinity Rose Foundation The following organizations offer scholarships for training or can place service animals with families: Canine Companions Canines for Disabled Kids Mira Foundation Paws with a Cause W.A.G.S. 4 Kids | Local Grants (based in Ohio)
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Lending LibrariesLending libraries loan adaptive and medical equipment to families for short-term needs (for example, to assess whether an item is useful to an individual or to substitute for a broken item while it is repaired). In addition to dedicated lending libraries, several public library systems offer adapted toys and other materials for families of children with disabilities. Assistive Technology of OhioOffers adaptive devices (switches, keyboards, positioning seats, phones, iPads) and toys with the intent of helping Ohioans with disabilities to try items before making a purchase as well as a trading post (where families can trade/donate used devices) and a device rental program for low-vision/CCTV equipment. atohio@osu.edu Cuyahoga County Public LibraryOffers adapted toys and bookable kits for families to check out with a valid library card. Available items are available to book through the library's website. RePlay for KidsWorks with agencies in Northeast Ohio to adapt mainstream battery-operated toys for the children they serve. If you qualify as a low-income family at your supporting agency, you may be able to receive a free adapted toy through the RePlay @Home program. Westlake Porter Public LibraryOffers a variety of non-traditional materials, including music kits that can be used in at-home music therapy experiences. To view the kits, visit the non-traditional materials collection and scroll down to Music Kits. Willoughby-Eastlake Public LibraryThe WE Play Toy Library Collection is designed to serve all families. The collection is comprised of many award-winning toys for all ages. Some toys are adapted and can be operated with buttons. Buttons are available for check out. Available items can be viewed on the WE Play Toy Collection page. | Online Guide to Assistive Technology Programs in OhioThrough a grant with the Ohio Center for Autism and Low Incidence (OCALI), the Ohio Developmental Disabilities Council has published a list of lending libraries across the State of Ohio. These libraries provide access to assistive technology, medical equipment and adaptive toys to support people with developmental disabilities. |
Fund It ForwardNonprofit helping families to raise money for adaptive equipment not covered by health insurance. Organization funds family requests with the promise that the family will raise funds for the future requests of others. FundRazrCommercial online fundraising site. Charges 5% service fee and a credit card fee of 2.9% + 30 cents per transaction. Give-ForwardOnline fundraising site targeting medical expenses, living expenses associated with illness or injury and memorial funds. Charges 7.9% service fee + 30 cents for each transaction. GoFundMeCommercial online fundraising site. Charges 5% service fee and a credit card fee of 2.9% + 30 cents per transaction. Note: Vantage Mobility International (VMI) partners directly with GoFundMe to support campaigns directed at purchasing a VMI wheelchiar accessible vehicle (learn more). Kiddie Pool (from Adaptive Mall)Free service program that works like a fundraiser. Your family joins the program and a custom webpage is created for your child with a disability. Donations made on behalf of your child that will be put into an account on Adaptivemall.com. Once your child has received enough donations, you can redeem them for the products desired. There is no charge to use the Kiddie Pool program. |