Moderate hearing loss in her left ear and mild in her right ear, I think people, even within education often look at special education as someone that needs an academic need fulfilled and the threshold on the need is typically low. She just turned three, I know it may seem overzealous, but I would rather turn over every stone in order for her to be as successful as possible.
Ooooo..... This is tricky. It's AWESOME you want to be proactive with stuff, and it's good that she's above average with spoken language. But it's tricky b/c they think that if your kid is REALLY smart, they shouldn't "need" this or that right?
She does qualify for speech, but the overwhelming majority of dhh kids will probaly not have "like hearing" perfect speech. That's just a fact. Don't freak out about that....they can get her speech decent, but most dhh as kids people will probaly not have perfect speech. It's just like the way you could speak French pretty well but not like a native French speaker.
You know..... One way to try to get more services/build more of a safety net is to look into dhh education. It's probaly not a realistic idea to try to get her in full time at a School for the Deaf (unless by some amazing stroke of luck you live near a school for the Deaf and are also in a state that allows for parental choice regarding educational placement at a deaf school)
However, a dhh program school or a school that's a magnet program for dhh kids might be a really good placement, since that way she would get the dhh support services she NEEDS, already built in, without having to fight for them. The problem is that when a dhh child is bright, the public school system automaticly thinks that they can get away with providing little to no accomondations. That means usually that you will have a fight about things like an FM device, notetakers etc etc etc
One way to argue for a placement at a deaf program, might be that you want the safety net of dhh services......Hearing aids are expensive and imperfect. So it's probaly a good idea to give her services and programming and tools so that she can function both with and without her hearing aids. A really big part of the issue with the high unemployment level with dhh people is that they're priced out of the job market, since so many hoh kids are taught to exclusively depend on their hearing technology, rather then given a lot of different tools to help them deal with their being HOH.
There are many different pieces to the puzzle. Even hoh kids can strongly benefit from the safety net of ASL and deaf ed (if it's good and available)
Also, a dhh program will have speech therapists who are experianced with working with dhh kids. One of the problems with a mainstream school is that virtually all of their support systems are targeted towards hearing and or more classicly/higher incidence disabilties. So for example you'll get a speech therapist who may have worked with a dhh kid 15 years ago.
Keep an open mind and look into every and anything. There are many many different pieces to the puzzle......Speech and hearing is awesome, but it's only a part of the puzzle. If it was THE ANSWER, then all hearing kids would be incredibily sucessful.
Have you contacted your state's School for the deaf's outreach? They may be able to help you with suggestions, accomodnations etc etc etc.
Oh, and just as an aside....I do think that there are some kids who might be able to do quite well in the mainstream with appropreate accomondations (ie good dhh specific supports, deaf camps in the summer, exposure to other dhh peers) Look into every and anything...... Realize that there is value in specialized educational placements, and that what is right for a child at one point in time, can and does change drasticly as a child gets older.