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#GS4 had some procedure (no details) and will be required to undergo therapy so he keeps using the affected bodypart. I sent money to pay for the initial therapy session. I did not even know therapy for infants was a thing.
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As you can imagine, it was a quick phone call.
Along with all the other things I dislike about the US medical insurance system, not automatically covering a newborn's medical & related expenses until paperwork is filed with the insurer and they issue a modified policy is STUPID.
If the doctor says he needs this therapy, let him get it. Don't leave it to chance that someone in the extended family can advance funds to pay for it.