I feel like an idiot asking this, but here I go! What kind of insurance is best with a child who is special needs. Do I get a ppo or hmo? Do I need to know anything else specific? He has multiple Doctor he is seeing and is in pt/ot and dt. Ive never quite understood insurance policies so I figured I would come to.you ladies! Any kind of advice or pointers would be awesome! Thank you!
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