Hello DPennington and thank you for writing to JustAsk.  It would seem that you may have to get some support with helping to advocate for your son.  Since, I do not have all the steps and information of your process, thus far, I will try and help you from what I know.

First note, please keep all your documents, including medical information (and copies) in a file.  Make sure to submit with a written request the information you have to your son's public school administrator asking for a team meeting to determine if special education services or other accomodations are warranted for your son to academically achieve.   If your son is in public school in the United States and you have documented proof of a medical disorder and it is found through evaluations that this disorder impacts his ability to learn as compared with AGE mates, then he should be given some form of special education intervention (which can vary from monitoring to much more hands on).  According to your letter, it would appear that he is not mastering skills according to age or grade.

Remember that not all children identified with ADHD have discrepencies with their learning, thus, they do not qualify under federal and state laws for special education. That does not mean that you cannot hammer out some accomodations with the staff in support of your son.  This may include a specific behavior system for your son to stay better on task or allow him more frequent breaks.

Also, note that if you feel that you are not getting anywhere then please feel free to contact your school district office and ask for a parent advocate to be assigned to your son's case.  If this does not work, I have listed some very good websites to help you with seeking an advocate.

Now for the item of insurance being an issue... According to federal laws (which you will also find on the websites below), your son,  if found to have educational deficits that are preventing him from performing at his age level within the public schools, is entitled to free and appropriate special education services within the least restrictive environment.  Accomodations must be made, if warranted.  If your school does not have services that are rendered necessary to help with achievement then you have the right to ask for services in another school setting.  Sometimes not all schools in a district offer high level of services and a child needs to be transferred.  These cases are rare.  However, there have been instances that a child may be found best served in another school setting.

Good luck.

Louise Masin Sattler, NCSP
Nationally Certified School Psychologist
Owner of Signing Families
http://www.SigningFamilies.com