Understanding My Policy

Mr. Probert, great information on the state of our insurance mess. I have a tricky question about my insurance that I was wondering whether someone could offer some help on. I have kept our info anonymous for self serving reasons. We have a self insured policy through our company (I originally thought it was group insurance through Aetna). It does not cover and services like ABA therapy or therapies related to an autism diagnosis. Our issue is that my wife and I know that our son (who has not officially been diagnosed) most probably has autism. We have read up enough to know that there is something not exactly right. Obviously we want to get the best treatment for him and offer him the best chance of success.

My question is this, if our current policy does NOT cover autism or a related issue, then what would you recommend as an option? Should we seek our own coverage through another insurance company that does cover the autism diagnosis and if we do what are the pitfalls? Will we get denied because it is a pre-existing condition even though it is not formally so? We want to get the best possible help however we realize that at this current time we most probably make too much to get anywhere with the state funded programs but not nearly enough to cover any intensive therapy. Is there a way to get into an insurance plan that offers coverage. Any help would be greatly appreciated.

Thanks,

Really Worried Parents