Teen Treatment Covered by Healthcare Insurance Minnesota MN

Adolescent Treatment Programs in Minnesota Accepting Insurance

Finding an adolescent mental or behavioral treatment provider in Minnesota that accepts healthcare insurance is not an easy task. Depending on the particular adolescent treatment program and the specific benefits covered by an insurance plan, the treatment program may be able to work with your insurance provider, but without a consultation it is never a guarantee.

If you've found a treatment program in Minnesota you like, its worth your time and energy to find out if they accept your insurance plan. Your insurance just might pay for some or all of the treatment costs your child will incur. But, you won't know until you ask. 

We recommend that you contact your insurance company, either online or over the phone, and ask about the coverage and benefits offered under your plan. Or, consider choosing a treatment facility in Minnesota and ask them to contact your insurer for you, as they might be able to get you answers faster.

Mental & Behavioral Health Coverage in Minnesota

Before the Affordable Care Act of 2018, many insurance companies did not provide comprehensive mental health care as a core benefit.  However, because of Obamacare and subsequent healthcare laws (mental health parity laws), all insurers must provide the same level of care for mental health issues as they do for any other type of coverage. Meaning, health insurance companies must provide the same level of coverage for mental health as they do physical health. 

The mental health parity laws states that insurers are required to cover mental and behavioral health issues (including substance-use disorders) in the same way they cover physical health issues. The parity law applies to employer health plans, coverages bought through the marketplace (Affordable Care Act), CHIP, and most Medicaid-funded programs.

Obamacare mandates that insurance companies offer at least the bare minimum coverage for substance abuse, addiction, and mental health issues (Unfortunately, these mandates only apply to the insurance coverage bought through the marketplace, and therefore not all folks are guaranteed a decent level of mental health coverage).

Private health insurance plans in Minnesota are not required to cover mental health or behavioral health treatment, but most do anyway. They offer coverage for addiction and substance abuse treatment because they might want to sell their plan on the government "marketplace," and many folks looking to buy private health insurance want mental and behavioral health covered.

Most insurance policies consider "drug rehab coverage" and/or "addiction treatment services" as universal covered benefits. Meaning, treatment is provided to everyone diagnosed with an addiction regardless of the type of addiction, age or gender of the addict, or what caused the addiction in the first place. If mental health and addiction treatment is covered by your insurer's plan, then you get that benefit no matter what kind of substance abuse or drug rehab service is needed.

Know The Details of Your Insurance Plan - Mental & Behavioral Health Benefits in Minnesota

Before attempting to admit or enroll your troubled teen into a mental or behavioral health treatment program in Minnesota be sure to find out if the program works with your insurance company. As a matter of fact, before you start looking for treatment for your child, know everything there is about your coverage as it pertains to mental health, behavioral health, and substance abuse treatment. Go so far as to know coverage, benefits, provider restrictions, the cost of co-payments, and everything you are required to pay because your insurance company in Minnesota does not cover.

Even though "residential treatment" may not be covered by your insurance, you might be able to use your IOP and/or PHP insurance benefits to help pay for a large portion of the cost of a residential treatment center in Minnesota. The best RTC's work with insurance companies as "out-of-network providers," which allows for some therapeutic services to be paid by the insurance company.  For example, many insurance plans cover a wide array of mental health treatment provided by Residential Treatment Centers in Minnesota, such as Intensive Outpatient treatment, Intensive Inpatient treatment, Partial Hospitalization treatment, as well as Individual and Group Therapy.

In addition, treatment programs in Minnesota providing diagnostic assessments by licensed mental health practitioners are able to submit the bills to insurance companies on behalf of their client. Since diagnostic services are covered by most insurance plans, parents of teens receiving treatment in Minnesota-based residential treatment centers can get assessments, tests, and diagnostic services paid for, thus lowering the overall cost of treatment. 

Minnesota State Resources for Parents of At-risk Teenage Boys and Girls

: Mental health treatment in Minnesota has evolved from the large state institutions of the past. Today, nearly 75 percent of mental health care is delivered in community settings, and people experiencing mental illnesses, substance abuse, and/or co-occurring conditions are able to maintain a much higher quality of life living in their own homes, in their own communities.

Families from Minnesota, looking for guidance for their at-risk child, trust the help that Turning Winds provides for teen boys and girls who may be going through opiate abuse/addiction, oppositional defiant disorder, or bipolar disorder. Here at Turning Winds, our expert practitioners have a deep and wise understanding of the issues that at-risk adolescents from Minnesota are struggling with every day. With dedication and expertise, our team offers help to our troubled clients, so they may recognize and deal with their alcohol dependence or defiance in a way that is both healthy and productive. Our successful a variety of therapeutic intervention strategies (CBT, DBT, behavioral therapy) approach is based on a solid trifecta of trust and respect. Through this approach, we inspire an internally motivated change that lasts a lifetime.

Because working with highly resistant teen boys and girls is challenging, most programs rely on level systems, punishments, and other behavioral techniques to manage the adolescent’s behavior. However, Turning Winds recognizes that the personal circumstances of one at-risk child doesn’t always apply to all of our clients. Because of this, Turning Winds’ expert practitioners are devoted to the management of each teens requirements; and they do this with professionalism and sympathy. At Turning Winds, we involve the entire family (especially the parents) in the teen’s therapy, change, and help. Turning Winds has served numerous at-risk adolescents over the years. Our track record has proven to cause life changing results for our clients and their families.

Turning Winds has transformed the lives of countless at-risk adolescents over the years, including many from Minnesota. Our approach has improved the lives of our at-risk clients, and their families. We see that troubled teen boys and girls can grow to be healthy adults with a desire to succeed! Turning Winds understands that in order for our at-risk clients to experience real change, the entire family needs to be part of the help that our practitioners provide. Our intake counselors can be reached immediately at (800) 845-1380.

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