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Spanlahti, Yes, they have to be licensed. As far as I know, they do not cover "mommy" time (sigh). I just had to show pay stubs that showed average hours worked and they approved us for that time plus travel to and from day-care. If we choose a place that costs more than what we are approved for, we pay the difference, but we didn't run into that, so for us it's covered 100%. Sorry, I don't know of any support groups in our area. I have heard of a couple, but they were not foster care related, and I think we can agree, that's a WHOLE different world, so for me, I wasn't interested.