Insurance & Finances
Insurance:
Advocacy: "Advocating Effectively for your Cleft-Affected Child"
Insurance: "Taking on the Big Guys"
Insurance Story & Letter One Parents Story of How They Got Insurance to Pay for Doctors They Wanted to Use
Some Comments on Dealing with HMO's Parent asks -- Joanne Green, WideSmiles Responds
Dr. Liu's Comments on Fighting HMO's
Insurance and Adoption
Kristi's Personal Experience with SSI as an Adult (Social Security)
Cleft Insurance Codes - A View from Doctors Side
Internet Guide to HMOs

Getting Medical Coverage for Orthodontics

Change of Insurance: Pre-Existing Conditions Clause
HMO Humor
COBRA and Health Insurance Portability & Accountability Act
When Both Parents Have Insurance Coverage
How to Fight Insurance Companies
Getting Insurance Coverage for Breast Pumps
Family Leave and Uncooperative Employers
Pre-existing Conditions and Insurance Coverage
Of Interest to Military Members: Check out our Military Insurance links!

Regarding Finances:
Maryland: Model Waiver Program
State of Ohio-Bureau of Children with Medical Handicaps Coverage
Organization: Shriners -- US Charity Sponsors Operations

Online Link For Shriners: http://www.shrinershq.org

Also check out http://www.operationsmile.org

They have a clinic in NYC that you may want to contact.
Here is the main headquarter info:
220 Boush Street
Norfolk, Virginia 23510, USA
Phone: (757) 321-SMILE
Fax: (757) 321-3201

Also if you haven't already done it, call the NJ Dept Of Health, explain your situation and ask if there is a special program for kids. For example in Maryland it's called the Model Waiver Program.