The clock started ticking when Michelle Mazzola’s son, Guy, was diagnosed with autism before his second birthday. Doctors told her the sooner Guy received therapy for his nonverbal communication and behavioral challenges, the better chance he had of reaching his full potential — and perhaps entering a kindergarten with neurotypical students. Like many parents, Mazzola hoped to find therapists who were covered by their insurance. So she consulted a directory of providers listed as “in-network” on her insurance company’s website.

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