If you are a parent of a child with special needs, you may suffer from constantly worrying that you don’t have enough money to provide the best care for your child—or you fear that you will face bankruptcy from all the bills. Diagnoses such as cerebral palsy and Down syndrome and autism spectrum disorder (ASD) may need equipment, services and care that may not be covered by health plans or private extended health insurance. Plus, coverage varies, depending on the diagnosis. Many families go without or wait for years to get services that would have been beneficial if used earlier. For the parents of kids with special needs, the gap is wide: So many are forced to cobble together a plan to help their children, often at great financial and personal expense.