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Yes. Coral Care provides in-home speech, occupational, and physical therapy in Texas, including the Houston area, with no referral needed. Coral Care is in-network with most major plans, and self-pay is $250 for an evaluation and $125 per session.

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Talk with your pediatrician. If your child is under 3, you can contact Texas Early Childhood Intervention (ECI) directly for a free evaluation, no referral needed. Children 3 and older can be evaluated through your local public school district.

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Yes. Public libraries, nonprofit support communities, and local programs often offer free activities, materials, and family events. Our guide above lists options, and each organization can confirm what it currently offers.

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Coral Care provides in-home speech, occupational, and physical therapy in Texas with no referral needed. Most families book an evaluation within 1 to 2 weeks, and Coral Care is in-network with most major plans. See insurance and payment details.

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Ask about staff training, group size, and how the program handles sensory or behavior needs, and share your child's needs up front so staff can plan accommodations. A trial visit can help your child get comfortable.

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Houston families can find support communities, adaptive recreation and after-school programs, and inclusive library programs. Our guide above lists options around Houston. Contact each program to confirm current schedules and eligibility.

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Coral Care provides in-home speech, occupational, and physical therapy in Texas with no referral needed. Most families book an evaluation within 1 to 2 weeks, and Coral Care is in-network with most major plans. See insurance and payment details.

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Learn your rights under IDEA, keep copies of evaluations and school communication, and put requests in writing. Parent training programs and advocacy organizations can help you prepare for IEP meetings.

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Yes. Many Austin-area nonprofits, advocacy groups, and parent networks offer free classes, support groups, and information for families. Our guide above lists options, and each organization can confirm what it currently offers.

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Coral Care provides in-home speech, occupational, and physical therapy in Texas with no referral needed. Most families book an evaluation within 1 to 2 weeks, and Coral Care is in-network with most major plans. See insurance and payment details.

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Your school district's special education office can walk you through evaluations, IEPs, and your rights under the Individuals with Disabilities Education Act (IDEA). The Texas Education Agency also publishes parent guides on special education.

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Austin families can turn to parent education programs, disability advocacy organizations, statewide parent networks, and local support groups. Our guide above lists options in the Austin area. Contact each organization directly to confirm current programs, eligibility, and costs.

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Yes. A pediatric occupational therapist can help your child build tolerance for everyday sensory experiences and give your family strategies for outings. Coral Care offers in-home OT in Illinois, with no referral needed.

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Ask for a quieter time slot, share your child's triggers ahead of time, and ask whether they can skip loud tools like blow-dryers or slow the pace. Many kid-focused providers will adjust when they know what helps.

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Preview the place together with photos or a short social story, plan to arrive when it's quieter, and bring comfort items like noise-reducing headphones. When you arrive, find the quiet areas and exits so your child knows where to take a break.

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Look for museums, theaters, and play spaces that offer sensory-friendly hours or performances, which usually mean lower sound, softer lighting, and smaller crowds. Our guide above lists therapist-picked spots around Chicago. Schedules change, so confirm dates and hours with each venue before you go.

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Yes. A pediatric occupational therapist can help your child build tolerance for everyday sensory experiences and give your family strategies for outings. Coral Care offers in-home OT in Massachusetts, with no referral needed.

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Ask for a quieter time slot, share your child's triggers ahead of time, and ask whether they can skip loud tools like blow-dryers or slow the pace. Many kid-focused providers will adjust when they know what helps.

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Preview the place together with photos or a short social story, plan to arrive when it's quieter, and bring comfort items like noise-reducing headphones. When you arrive, find the quiet areas and exits so your child knows where to take a break.

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Look for museums, theaters, and play spaces that offer sensory-friendly hours or performances, which usually mean lower sound, softer lighting, and smaller crowds. Our guide above lists therapist-picked spots around Boston. Schedules change, so confirm dates and hours with each venue before you go.

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Yes. A pediatric occupational therapist can help your child build tolerance for everyday sensory experiences and give your family strategies for outings. Coral Care offers in-home OT in Texas, with no referral needed.

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Ask for a quieter time slot, share your child's triggers ahead of time, and ask whether they can skip loud tools like blow-dryers or slow the pace. Many kid-focused providers will adjust when they know what helps.

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Preview the place together with photos or a short social story, plan to arrive when it's quieter, and bring comfort items like noise-reducing headphones. When you arrive, find the quiet areas and exits so your child knows where to take a break.

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Look for museums, theaters, and play spaces that offer sensory-friendly hours or performances, which usually mean lower sound, softer lighting, and smaller crowds. Our guide above lists therapist-picked spots around Austin. Schedules change, so confirm dates and hours with each venue before you go.

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Yes. A pediatric occupational therapist can help your child build tolerance for everyday sensory experiences and give your family strategies for outings. Coral Care offers in-home OT in Texas, with no referral needed.

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Ask for a quieter time slot, share your child's triggers ahead of time, and ask whether they can skip loud tools like blow-dryers or slow the pace. Many kid-focused providers will adjust when they know what helps.

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Preview the place together with photos or a short social story, plan to arrive when it's quieter, and bring comfort items like noise-reducing headphones. When you arrive, find the quiet areas and exits so your child knows where to take a break.

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Look for museums, theaters, and play spaces that offer sensory-friendly hours or performances, which usually mean lower sound, softer lighting, and smaller crowds. Our guide above lists therapist-picked spots around Dallas. Schedules change, so confirm dates and hours with each venue before you go.

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Yes. A pediatric occupational therapist can help your child build tolerance for everyday sensory experiences and give your family strategies for outings. Coral Care offers in-home OT in Pennsylvania, with no referral needed.

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Ask for a quieter time slot, share your child's triggers ahead of time, and ask whether they can skip loud tools like blow-dryers or slow the pace. Many kid-focused providers will adjust when they know what helps.

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Preview the place together with photos or a short social story, plan to arrive when it's quieter, and bring comfort items like noise-reducing headphones. When you arrive, find the quiet areas and exits so your child knows where to take a break.

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Look for museums, theaters, and play spaces that offer sensory-friendly hours or performances, which usually mean lower sound, softer lighting, and smaller crowds. Our guide above lists therapist-picked spots around Pittsburgh. Schedules change, so confirm dates and hours with each venue before you go.

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Yes. A pediatric occupational therapist can help your child build tolerance for everyday sensory experiences and give your family strategies for outings. Coral Care offers in-home OT in Pennsylvania, with no referral needed.

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Ask for a quieter time slot, share your child's triggers ahead of time, and ask whether they can skip loud tools like blow-dryers or slow the pace. Many kid-focused providers will adjust when they know what helps.

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Preview the place together with photos or a short social story, plan to arrive when it's quieter, and bring comfort items like noise-reducing headphones. When you arrive, find the quiet areas and exits so your child knows where to take a break.

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Look for museums, theaters, and play spaces that offer sensory-friendly hours or performances, which usually mean lower sound, softer lighting, and smaller crowds. Our guide above lists therapist-picked spots around Philadelphia. Schedules change, so confirm dates and hours with each venue before you go.

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Keep the first visit short so it ends on a high note, go when it's quiet, and bring a snack and water. If your toddler could use more support with movement, play, or sensory needs, Coral Care offers in-home occupational and physical therapy in Massachusetts, with no referral needed.

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Weekday mornings or right after opening are usually calmest, with fewer crowds and less noise. Hours and programs change often, so check the venue's website or call before you go.

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Look for a space with a separate area for toddlers, manageable crowds, and a quiet spot to take a break. Smaller, age-specific spaces are often calmer for young children than large, mixed-age play centers. Our guide above lists therapist and parent picks to start with.

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Keep the first visit short so it ends on a high note, go when it's quiet, and bring a snack and water. If your toddler could use more support with movement, play, or sensory needs, Coral Care offers in-home occupational and physical therapy in Texas, with no referral needed.

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Weekday mornings or right after opening are usually calmest, with fewer crowds and less noise. Hours and programs change often, so check the venue's website or call before you go.

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Look for a space with a separate area for toddlers, manageable crowds, and a quiet spot to take a break. Smaller, age-specific spaces are often calmer for young children than large, mixed-age play centers. Our guide above lists therapist and parent picks to start with.

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Keep the first visit short so it ends on a high note, go when it's quiet, and bring a snack and water. If your toddler could use more support with movement, play, or sensory needs, Coral Care offers in-home occupational and physical therapy in Illinois, with no referral needed.

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Weekday mornings or right after opening are usually calmest, with fewer crowds and less noise. Hours and programs change often, so check the venue's website or call before you go.

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Look for a space with a separate area for toddlers, manageable crowds, and a quiet spot to take a break. Smaller, age-specific spaces are often calmer for young children than large, mixed-age play centers. Our guide above lists therapist and parent picks to start with.

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Milestone guides describe typical development, but every child's path is individual. If your child has a diagnosis, their developmental team can help you understand what milestones are most meaningful in their context and what support makes sense.

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Kindergarten readiness isn't all-or-nothing. Most children have areas of strength and areas that are still developing. A pediatric occupational therapist, speech therapist, or physical therapist can evaluate specific areas of concern and provide targeted support before the school year begins.

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Some sounds are still developing at five — including r, l, s, sh, ch, and th. If your child's speech is mostly understandable but a few sounds are off, that's often within normal range. If overall intelligibility is low, or if you're hearing concerns from preschool teachers, an evaluation from a speech-language pathologist is worthwhile.

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Yes, but the frequency and intensity should be trending down from the peak around 18-24 months. If tantrums are increasing, lasting very long, or becoming unsafe, an occupational therapist can help with emotional regulation strategies.

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3-word sentences are the benchmark at 36 months. If your child is below that, reaching out to a speech-language pathologist for an evaluation is a reasonable and low-stakes step — it gives you information and, if needed, a plan.

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Tantrums are developmentally typical at this age, but frequency and intensity vary a lot. If meltdowns are happening many times a day, lasting a long time, or becoming unsafe, an occupational therapist can help with sensory and emotional regulation strategies.

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At 30 months, familiar adults should understand most of what a child says. If even you are having frequent difficulty understanding your toddler, or if strangers understand very little, a speech-language pathology evaluation is worth pursuing.

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No. In-home therapy is in-person therapy that takes place in your home rather than in a clinic. The therapist is physically present.

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In most cases, yes. Many insurance plans that cover in-person therapy also cover teletherapy.

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At Coral Care, evaluations take place in your home and you are present throughout.

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Speech and OT evaluations typically take 60 to 90 minutes. PT evaluations are often 45 to 75 minutes.

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Some children develop greater sensory tolerance with therapeutic support. The goal of therapy is building tools to function well despite sensory sensitivities.

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No, though they frequently co-occur. SPD can exist independently of autism.

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Yes. School-based therapy and private therapy are not mutually exclusive.

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No. Your child must separately qualify under Part B eligibility criteria, which many EI children do not meet — particularly if they've made significant progress.

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You have rights. You can request an independent educational evaluation at the school district's expense, file a state complaint, or request mediation or a due process hearing. You are an equal member of the IEP team and do not have to accept a determination you disagree with.

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Yes. An IEP and private in-home therapy are not mutually exclusive. Many families use both — supplementing what the school provides with additional sessions at home, especially when school-based frequency isn't sufficient for their child's needs.

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An IFSP (Individualized Family Service Plan) is used in early intervention (birth to 3) and is centered on your family's routines and goals. An IEP (Individualized Education Program) is used in school-based special education (ages 3-21) and focuses on your child's educational needs. The shift from IFSP to IEP also means a shift from home-based to school-based services.

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By law, transition planning must begin at least 90 days before your child's third birthday. Many EI programs start the process even earlier — up to six months out — to ensure evaluations are completed and an IEP is in place by the birthday.

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No. Qualifying for early intervention doesn't guarantee an IEP. School districts use different eligibility criteria under Part B of IDEA, and some children — especially those who've made significant progress in EI — won't meet the threshold. If your child doesn't qualify, private therapy remains available.

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Early intervention services stop on your child's third birthday. At that point, your child may qualify for school-based services through an IEP, or you can continue services through private in-home therapy like Coral Care. The transition doesn't have to mean a gap in care.

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Yes. Coral Care provides in-home speech therapy, occupational therapy, and physical therapy for children across Massachusetts. Many families use private in-home therapy to bridge the gap after EI, supplement an IEP, or as their primary therapy option.

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Once you give consent, the school district has 30 school days to complete the evaluation and 45 school days to hold the Team meeting and develop an IEP if your child is found eligible.

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No. Massachusetts school districts use different eligibility criteria than the EI program. Many children who received EI services don't qualify for a school-based IEP, particularly if they've made strong progress. If your child doesn't qualify, private therapy remains an option.

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A TPC is the required meeting between your EI team, the school district, and you that kicks off the age-3 transition. It must happen at least 90 days before your child's third birthday. At the TPC, the team reviews your child's current services and sets the timeline for evaluation and IEP development.

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Massachusetts EI services end on your child's third birthday. Before that, your EI program refers your child to your local school district, which evaluates them for special education eligibility. If they qualify, an IEP is developed. If not — or if you want more than the IEP provides — private in-home therapy is an option.

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Yes. Coral Care provides in-home speech therapy, occupational therapy, and physical therapy for children across Connecticut. Many families use it to bridge the gap after Birth to Three ends, supplement school-based services, or as a primary option when an IEP isn't available or sufficient.

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No. Birth to Three eligibility doesn't carry over. The school district evaluates your child under different criteria, and some children who received Birth to Three services won't qualify for school-based special education. If your child doesn't qualify, private therapy remains an option.

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After the transition conference, the school district conducts a domain review — a structured process to determine whether existing evaluations are sufficient or whether new assessments are needed before making an eligibility determination. You'll be asked to sign consent for any additional evaluations.

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Call the Child Development Infoline at 1-800-505-7000. They can connect you with the Birth to Three program serving your area. There are 19 programs across the state.

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Birth to Three services end on your child's third birthday. Your service coordinator initiates a transition to your local school district, which evaluates your child for special education eligibility. If they qualify, an IEP is put in place. If not, or if you want more support than the IEP offers, private in-home therapy is available.

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Yes. Coral Care provides in-home speech therapy, occupational therapy, and physical therapy for children in New Hampshire. Many families use in-home therapy to continue the home-based model they had in FCESS, either as a supplement to school services or as a primary option.

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The Parent Information Center of NH (PIC) at picnh.org is a statewide resource staffed by family advocates who can help you understand your rights, prepare for meetings, and navigate the special education system. Their services are free.

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No. School districts use different eligibility criteria than FCESS, and not all children who received early supports will qualify for preschool special education. New Hampshire requires written parental consent at each step of the special education process.

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FCESS ends on your child's third birthday. Transition planning begins before your child turns two. With your consent, your service coordinator connects you with your local school district for a Part B eligibility evaluation. If your child qualifies, an IEP is developed. If not, private therapy is available.

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FCESS stands for Family Centered Early Supports and Services — New Hampshire's early intervention program for children birth to age 3. It uses a parent coaching model, meaning services are designed to build your capacity to support your child's development in everyday routines. FCESS ends on your child's third birthday.

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Yes. Coral Care provides in-home speech therapy, occupational therapy, and physical therapy for children across Rhode Island. Many families use in-home therapy to maintain continuity after EI ends, especially if their child doesn't qualify for ECSE or needs more frequency than the IEP provides.

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Rhode Island has specific provisions for summer birthdays. The transition conference can be held as early as 27 months to ensure the evaluation and IEP process is completed before the school year ends, preventing a service gap over the summer.

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No. EI eligibility doesn't carry over. The school district evaluates your child under different criteria, and some children who received EI services won't qualify for ECSE. Rhode Island tracks and reports on whether IEPs are in place by children's third birthdays, but qualifying is not guaranteed.

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ECSE stands for Early Childhood Special Education — the school-based program for children ages 3 to 5 who qualify for special education services under Part B of IDEA. In Rhode Island, ECSE is coordinated through local school districts and governed by shared policies developed jointly with the EI program.

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Rhode Island starts earlier than most states. The transition process typically begins when your child is 28 months old, and a transition conference is held around 30 months. For children with significant delays or summer birthdays, it can begin as early as 27 months to prevent any gap in services at the third birthday.

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Yes. Coral Care provides in-home speech therapy, occupational therapy, and physical therapy for children across Virginia. Many families use in-home therapy to bridge the gap after ITCVA ends, supplement their child's IEP, or continue the home-based model they found effective in early intervention.

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Child Find is a federal requirement under IDEA that obligates Virginia school divisions to actively identify children who may be eligible for special education services. This means you don't have to wait for a referral — you can contact your local school division directly and ask for an evaluation at any time.

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No. Virginia school divisions use different eligibility criteria than the ITCVA. Not all children who received EI services will qualify for preschool special education. If your child doesn't qualify, your ITCVA coordinator can help connect you to community and private therapy options.

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ITCVA services end at your child's third birthday. Your service coordinator will have been working with you on a transition plan well before that date. With your consent, they connect you with your local school division for a Part B eligibility evaluation. If eligible, an IEP is developed and services begin by the third birthday.

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The Infant & Toddler Connection of Virginia (ITCVA) is Virginia's early intervention system for children birth to age 3. It's made up of 40 local programs across the state, each serving specific cities and counties. Services are provided in your home or community and are available regardless of your family's income.

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Yes. Coral Care provides in-home speech therapy, occupational therapy, and physical therapy for children across Texas. Many families use in-home therapy to continue uninterrupted care after ECI ends, especially while waiting for school-based services to start or if their child doesn't qualify for ECSE.

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No. ECI eligibility doesn't transfer. The school district evaluates your child under different criteria, and some children who received ECI services won't qualify for Early Childhood Special Education (ECSE). ECI staff can help connect you to private and community options if your child doesn't qualify.

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ARD stands for Admission, Review, and Dismissal — Texas's term for the IEP team meeting. The ARD committee includes you as an essential member, along with educators and district representatives. You cannot be excluded, and your input is required when developing your child's IEP.

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ECI services end at your child's third birthday. With your written consent, ECI contacts your local school district at least 90 days before the birthday to initiate transition. The district evaluates your child, and if eligible, an ARD committee develops an IEP that must be in place by the third birthday.

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ECI stands for Early Childhood Intervention — Texas's early intervention program for children birth to age 3 with developmental delays or disabilities. It's administered by Health and Human Services (HHS) and has local programs covering every county in the state. Find yours at hhs.texas.gov.

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Yes. Coral Care provides in-home speech therapy, occupational therapy, and physical therapy for children across Illinois. Many families use in-home therapy to avoid a gap after EI ends, maintain the home-based model, or supplement school services that don't fully meet their child's needs.

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No. The school district evaluates your child under its own criteria, which differ from EI eligibility standards. Not all children who received EI services will qualify for ECSE. If your child doesn't qualify, private therapy remains available.

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If your child turns three between May 1 and August 31 and qualifies for school-based services, Illinois law gives you the option to extend EI services through the summer rather than starting Early Childhood Special Education (ECSE) right away. You can choose to transition immediately or wait until the school year begins.

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Illinois EI ends on your child's third birthday. Transition planning must begin six months prior. The process includes a Transition Planning Conference, a domain review by the school district, and — if you consent to evaluation and your child qualifies — development of an IEP before the birthday.

Insurance & Payment
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August 5, 2026

Texas Education Freedom Accounts (TEFA): The Complete Guide for Texas Families

Everything Texas families need to know about TEFA — how it works, who qualifies, how much funding is available, and what you can spend it on, including therapy.

author
Jen Wirt, Coral Care CEO & Founder
Jen Wirt, Coral Care CEO & Founder
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Texas Education Freedom Accounts (TEFA) is the largest day-one school choice initiative ever launched in the United States. Backed by $1 billion in state funding and created by Senate Bill 2 in 2025, TEFA gives eligible Texas families access to public education dollars they can spend on approved educational expenses outside the traditional public school system — including private school tuition, tutoring, curriculum, and licensed therapy services.

If you are a Texas parent wondering whether TEFA applies to your family, this guide covers everything: how the program works, who qualifies, how much money is available, what it can be spent on, and how to make the most of your funds.

What Is TEFA, Exactly?

TEFA stands for Texas Education Freedom Accounts. It is an Education Savings Account (ESA) program — not a voucher. Under a traditional voucher, the state sends money directly to a school on your behalf. Under TEFA, the state deposits funds into a digital account that your family controls, and those funds can be used to pay for a wide range of approved educational expenses through a supervised marketplace.

The program is administered by the Texas Comptroller of Public Accounts and operated day-to-day by Odyssey, a company that also manages similar programs in Iowa, Georgia, Louisiana, Utah, and Wyoming. Think of it like a prepaid debit card for your child's education, funded by the state. Every purchase is tracked and verified by the system.

How Much Funding Is Available?

The amount your family receives depends on your child's educational setting and disability status.

  • Private school students: $10,474 for 2026–27. This represents 85% of the statewide average of state and local per-pupil funding in Texas public schools, as calculated by TEA.
  • Children with a qualifying IEP: Up to $30,000 per year. Available to children with an Individualized Education Program on file with the Texas Education Agency (TEA) from a Texas public school district or charter school, whose household income is at or below 500% of the Federal Poverty Level.
  • Homeschool families: $2,000 per year.

Unused funds roll over year to year as long as your child remains enrolled in the program. Funds are not taxable under current guidance.

The Priority Tiers

TEFA received more than 274,000 applications in its first year — a national record — far exceeding available funding. A priority lottery determines who is funded, in this order:

  • Priority 1: Children with disabilities (IEP on file with TEA) from households at or below 500% of the Federal Poverty Level. Approximately 30,000 families fell into this group in year one. These families also qualify for the $30,000 funding tier.
  • Priority 2: Children from households at or below 200% of the Federal Poverty Level.
  • Priority 3: Children from households between 200% and 500% of FPL.
  • Priority 4: All other eligible families. Funds are unlikely to reach this group in year one.

The state expects to fund all Priority 1 applicants and most Priority 2 applicants. Siblings: once one child in your family is accepted, all siblings you applied for are also accepted.

Who Is Eligible?

Most Texas families with school-age children qualify. Requirements: the child must be a U.S. citizen or lawfully present in the United States, a Texas resident, eligible to attend a Texas public school, and not currently enrolled full-time in a Texas public school or charter school. Children ages 3 through 21 are eligible.

Children as young as age 3 can qualify for pre-K TEFA, provided they meet one of the pre-K eligibility criteria under Texas law — including limited English proficiency, economic disadvantage, homelessness, or military family status.

What Can TEFA Funds Be Spent On?

This is the piece most coverage misses. TEFA is not just about private school tuition. Approved expenses include:

  • Tuition and fees at an approved private school, higher education provider, or online program
  • Licensed educational therapy services — occupational therapy, speech-language pathology, and physical therapy, explicitly covered under Texas Education Code Section 29.3522
  • Tutoring and supplemental instruction from qualified tutors
  • Textbooks and instructional materials
  • Technology hardware and software (capped at 10% of annual award)
  • Transportation to approved education providers
  • Meals provided during the school day by an approved private school

Funds cannot be used to pay a family member for services.

TEFA and Therapy: What Families With Special Needs Should Know

For families navigating pediatric therapy — whether for speech delays, sensory processing differences, motor development, or autism — TEFA represents one of the most meaningful funding opportunities Texas has ever offered.

Licensed therapists are explicitly included as approved TEFA service providers under Section 29.3522 of the Texas Education Code, provided they hold valid state licensure or national board certification. This covers:

Children with an IEP who receive these services may qualify for up to $30,000 annually. Children without an IEP can still use TEFA for therapy — no IEP, referral, or diagnosis is required to get started. Read more about TEFA without an IEP →

Coral Care is an approved TEFA provider with 200 licensed therapists operating across Texas. We accept BCBS Texas, Baylor Scott & White, and Curative — families can combine insurance and TEFA funds to cover care. When TEFA funds open July 1, families purchase sessions through the Odyssey marketplace: log in, search for Coral Care by name, and purchase your sessions or credits there. Families who start therapy before July 1 arrive at that date with an established therapist relationship already in place. Learn more and get matched →

The Application Process

The 2026–27 application window ran February 4 through March 31, 2026, and is now closed. Award notifications are going out in April 2026, and the first 25% of funds become available July 1, 2026. The next application cycle is expected to open in early 2027.

For future cycles, families apply through the official Odyssey portal at educationfreedom.texas.gov. You will need your child's Social Security number, proof of Texas residency, and — if applicable — IEP documentation on file with TEA to qualify for the enhanced funding tier. The application is not first-come, first-served; timing of submission does not affect priority.

When Are Funds Available?

  • July 1, 2026: At least 25% of annual award becomes available
  • October 1, 2026: At least an additional 50% available
  • April 1, 2027: Remaining funds available

Unused funds roll over at the end of each year as long as your child remains enrolled.

Is TEFA a Voucher?

No, and the distinction matters legally and practically. Under a traditional voucher, the state sends money directly to a school. Under TEFA, funds sit in a supervised account that families spend through the Odyssey marketplace — similar to how an HSA works. Every purchase is tracked. Families cannot redirect funds freely. Providers must be approved participants in the marketplace. Unlike some other state ESA programs, Texas does not allow a reimbursement model — all transactions must go through Odyssey directly.

Frequently Asked Questions

What if the TEFA application window has already closed?

The 2026–27 application window closed March 31, 2026. If you applied, award notifications are going out in April via Odyssey. If you missed this cycle, the next window opens in early 2027. In the meantime, your child can start therapy with Coral Care today using insurance or self-pay — and you will be an established family with documented progress when the next cycle opens.

Can I start therapy before July 1 and switch to TEFA when funds open?

Yes — and this is what we recommend. Families who begin with Coral Care now using insurance or self-pay arrive at July 1 with an established therapist who already knows their child, documented progress, and an active treatment plan.

When TEFA funds open July 1, you'll use the Odyssey marketplace to purchase Coral Care sessions or credits — Odyssey is the platform that processes all TEFA transactions. Search for Coral Care by name inside the marketplace, purchase your sessions there, and Coral Care will contact you to schedule. Your therapist relationship stays the same; only how you pay changes. Use code TEXASFAMILIES for $100 off your first evaluation if you're starting now.

Is Coral Care an approved TEFA provider?

Yes. Coral Care is registered in the Odyssey TEFA marketplace and will accept TEFA funds starting July 1, 2026. We offer in-home occupational therapy, speech-language pathology, and physical therapy across Texas with 200 licensed providers statewide.

Here's how it works: TEFA funds are spent through the Odyssey marketplace — a closed platform accessible only to funded families. On or after July 1, log in to Odyssey, search for Coral Care by name, and purchase sessions or credits directly there. Coral Care accepts the order, schedules your child's session, and your therapist comes to you. Families can also combine TEFA with BCBS Texas, Baylor Scott & White, or Curative insurance.

Do TEFA funds expire at the end of the school year?

No. Unused TEFA funds roll over year to year as long as your child stays enrolled in the program. You do not lose money you don't spend in a given year — it simply carries forward into your account for the next year.

When are TEFA funds available to spend?

TEFA funds are released in three disbursements. At least 25% of your annual award becomes available July 1, 2026. An additional 50% releases October 1, 2026. The remaining funds become available April 1, 2027. Unused funds roll over to the following year as long as your child remains enrolled in the program.

Does my child need an IEP to use TEFA?

No. An IEP determines your funding tier, not whether you qualify. Without an IEP, your child qualifies for the standard $10,474 tier (private school) or $2,000 (homeschool). With a qualifying IEP on file with TEA, your child may qualify for up to $30,000. Either way, your child can participate in TEFA and receive therapy through approved providers like Coral Care.

Can I use TEFA for pediatric therapy?

Yes. TEFA explicitly covers fees for educational therapies provided by licensed professionals under Texas Education Code Section 29.3522. This includes occupational therapy, speech-language pathology, and physical therapy from providers registered in the Odyssey TEFA marketplace. Coral Care is an approved TEFA provider with 200 licensed therapists across Texas, ready to accept TEFA funds starting July 1, 2026.

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