Called Nelson to set up an evaluation. They told me the co-pay was 8 dollars. Then I got charged 200 for the co-pay. Of course I called to find out how on earth it went from 8 dollars to 200 and Wendy said "well if he had autism it would have been 8 dollars. Most of our children have a mental disability". I didn't even have it in me to fight it, and yes WE HAVE PRIVATE INSURANCE. If your child does not have a mental issue. Just put them in daycare. The other children will lead by example and it'll cost you a hell of a lot less. My son has been in daycare for 4 days and he's talking and u just fine. Imagine how much it would have cost me for the recommended 6 months/1 a week of therapy. UPDATE: So I called blue cross to see why this wasn't covered. They explained that it was showing as physical therapy and not speech therapy. So him having no mental delay had nothing to do with why it wasn't cover. I called Nelson and spoke with Jackie and relayed the info and asked her to call BCBS and she told me "no, I called yesterday".....ok so I called BCBS again and they fixed the issue for me. So I called Jackie again and told her I would be disputing the charge and suddenly she's was able to call BCBS and reverse the charge. AMAZING how that works.