Well, even though we have insurance through my job and my husband and I both work full time, our son became eligible for Medicaid as a back up insurance. I'd call the local Child protective services or Medicaid office and explain your child's diagnoses. In IA, since our child's diagnoses make us eligible for respite care from the state (only 1 day a month, but as long as we use it he gets to have Medicaid). See if there isn't a way to get your child declared disabled (supplemental security income is another avenue to explore, call Social Security) so they will put them on Medicaid. You could also try calling an attorney to see if they can help you either get Medicaid or get the insurance company to extend the benefits. Some times they will do pro-bono work.