Autism insurance limitations challenge families

Harry Schad, 7, of Manchester walks inside his house after planting apple seeds in his backyard.
Even though Molly and Steve Schad have insurance, they've tapped their home's equity, borrowed money and considered pawning her engagement ring to pay for $60,000 worth of treatment for their 7-year-old son Harry, who has autism. "If he was in a car wreck and lost speech, he would get speech [therapy]" covered by insurance, Molly Schad said. "You almost want to say, 'I dropped my kid on his head and now he can't talk.' You almost want to say that." St. Louis Post-Dispatch/STLtoday.com