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Can Insurance Cover Treatment for My Teen?

While there are many teen treatment centers around to help, many families don’t seek treatment because they’re unsure of one simple question: What is my insurance coverage for my teen’s treatment?

This straightforward question comes with a complex answer that we’re determined to help you answer. It all comes down to your family’s circumstances and insurance coverage.

When your teenager is suffering from mental health issues, you may be scrambling to figure out a way to afford treatment. The fact that insurance could possibly help may not have ever really crossed your mind! Fortunately, it’s an option you should definitely consider.

Does your insurance cover teen treatment programs? In this article, we’ll show you how to find the answer to this question, so your teenager can take a step closer to recovery.

First, Have a Treatment Center in Mind

The first thing to do is start looking at teen residential treatment centers and find one that you think would work for your child. Take note of the different treatments offered by the treatment center you’re researching. Find out what types of treatment and therapies it offers and what your child’s daily schedule will be like. This information is important both for you and your insurance provider.

Once you’ve done your research, see if the treatment center has a list of accepted insurances visible on its websites. If your insurance is listed, you know at this point that the treatment center works with your insurance provider. But even if your insurance isn’t listed, don’t give up hope. Give the treatment center a call to confirm whether or not your insurance coverage would be accepted.

Second, It’s Time to Contact Your Insurance Company

The good news is plenty of insurance providers cover at least some of the cost of teen treatment. When you get on the phone with an insurance representative, explain your situation and use your notes to talk to them about the treatment center you’re most interested in.

Ask the representative questions about your specific policy and try to find out as much information as you can about what types of treatment would be covered. For example, knowing where your policy stands on inpatient treatment will help you determine the type of treatment your child could receive that would be covered under your plan.

Reach Out to Your Teen Treatment Center

Now that you have the necessary information from your insurance policy, it’s time to call the treatment center. Teen treatment centers like Red Mountain Colorado have admission specialists that are ready to assist you. They know insurance for teen treatment center can be challenging to navigate, which is why they have the knowledge and experience to verify your insurance benefits and guide you through the insurance process from start to finish.

What Happens If Insurance for Teen Treatment is Denied?

Unfortunately, even if your insurance provider covers teen treatment, your claim can still be denied. But that doesn’t mean it’s the end of the road. Insurance providers often have an appeal process. Be sure to get a statement from your teen’s doctor endorsing treatment and follow the appeals process laid out by your insurance provider. This may help you get the insurance coverage both you and your teen need for treatment.

The Path to Healing Starts at Red Mountain Colorado

At Red Mountain Colorado, we know how frustrating the cost of treatment can be. That’s why we work to make the insurance process as easy for you as possible. Learn more about our approach and get started by verifying your insurance. If you want additional information or have more questions, contact us today!