The Pediatric Services Financial Assistance Fund helps families ensure their children continue to receive the therapy(ies) that they need in order to reach their potential.
Any family with a child receiving services at Heartspring can apply for financial assistance. The level of financial assistance provided is determined by the family's current income, the number of people in the household, the total number of therapy appointments needed per month and the amount of insurance coverage available. The family's overall medical costs are also considered.
The number of therapy sessions covered by financial assistance varies according to each child's therapy/ies needs and each family's ability to pay. Depending on their condition, children may come for therapy up to four times per week. For instance, children with Down syndrome typically require intensive therapies for the first seven years of their life, averaging a cost per child of $150,000.
All contributions to the Financial Assistance Fund go directly to providing services to children. No administrative costs are taken from this Fund. Heartspring is not a United Way Agency and does not receive funds from federal or state assistance programs. When the need for financial assistance exceeds the funds that are raised, Heartspring absorbs the cost of therapeutic services provided.
While there are some families who benefit from the Fund that are uninsured, many more are underinsured or have insurance policies that do not cover the type of therapy/ies needed by the child. Some health plans provide coverage but have a low maximum benefit per year, so that all the insurance is used up by the end of the first few months of the year. These children's parents must then provide for their child's therapy/ies needs without the benefits of traditional insurance.