The best way to take care of your child's health is to take an active role in all aspects of their health. To do this, you need to know about your dependent coverage options and your rights as a parent/caregiver. Parents/caregivers must become educated in their health care coverage and demand appropriate and improved options from their health insurance companies and employer-driven health plans. The right to pediatric physical therapy is an important healthcare service option for children. Most insurance policies cover physical therapy services when provided by a physical therapist, and federally qualified HMOs are required to have physical therapy in their benefits packages. In most states, you may see a physical therapist without a doctor's referral; be sure to check your health insurance plan to verify that physical therapist services are covered without a physician's referral in your state. Additional resources: