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Hi I'm a speech therapist in MI. We have free services for the birth to three population through the Intermediate School District--every county has one. At age 3 and beyond it is the individual school districts responsibility to provide services. It is slightly more difficult to qualify for free services after age 3, but not terribly so.
If you have to go the insurance route, check into a 0-6 rider on your plan. If you are able to get one, this will cover developmental delay treatment up to the age of 6. Most clinics/hospitals that provide outpatient speech services to children are pretty good at looking into every avenue to get coverage. Most companies do not cover DD without the 0-6 plan but they do cover apraxia of speech, which is medical as it is a planning and programming disorder and doesn't necessarily need to be called "developmental apraxia".
Laura
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