The in-home therapist that has been coming to see SS said that he is far beyond what can be done to help him on an outpatient basis and has recommended that he be placed in a residential treatment program as soon as possible. Finally, someone gets it and understands the seriousness of the situation and knows what needs to be done and is willing to pursue it. Bio mom is willing to place SS in residential treatment, and husband agrees as well. The problem is that bio mom is not sure if her medical insurance (Federal Blue Cross and Blue Shield) will cover some of the cost, and as we understand it from the research we have done, residential treatment is very expensive. I was wondering if anyone knew what kind of options there might be to help pay for the care if her insurance refuses to cover it? She is a federal employee and has very good health insurance, but husband and I have read that insurance companies don't like to kick in for mental health treatment. Bio mom makes a lot of money, but says she cannot afford to place SS in residential treatment unless her medical insurance helps with the cost. We cannot afford to help pay for it as husband was out of work for two years and just went back to work in Oct. and we are trying to dig out of a mountain of debt. We have no extra money, and we have no medical insurance yet. I don't think Medicaid will help bio mom pay for the treatment because bio mom makes too much money and has good insurance. Does anyone out there have any ideas or advice? Thanks.