Thanks! I tried using the website of my insurance co to see if they cover the medical portion of this Residential Treatment Center (RTC). The one the sw was recommending is actually more of a psychiatric hospital, just not for acute stays. They call it residential because it's longer stay- 2 to 3 mos and it's staffed with psychiatrist and tdocs, but also has the educational component. Anyway, I couldn't get the website to take my insurance policy info so I called and they just had an emergency counseling person who couldn't answer the question either. But, she said she thinks their offices are closed tomorrow, which means- wouldn't the insurance co have to pay for difficult child to stay in then? Also, with that type of Residential Treatment Center (RTC) and if it's determined necessary by the psychiatrist at the psychiatric hospital, wouldn't insurance have to pay just like any other hospital stay? And then, the sd pick up the educational cost?