Oh yes, I hear you. I just have a few friends who adopted out of foster care and their subsidy was only $100 less a month because their financial needs medically/with appointments are the same. BUT it was less than $500/month or so...so a lot less to begin with. So, I just figure if you really are looking at expenses that are special needs expenses (which, therapy and such usually are considered that...), the state usually helps with that. But also, yes, there are resources like Early Intervention therapists that should be of help too.