The link below goes to a story about Feda- a mother of a child who is severely affected by Autism- who has taken on Kaiser through an Independent Medical Review and was granted her requested treatments.
Please read the article and watch the videos. It seems that the crux of the question as to whether an insurance company covers items such as ABA therapy, speech pathology or occupational therapy is whether those services are deemed as "educational" or "medical".
http://abclocal.go.com/kgo/story?section=news/health&id=6493262
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