Teen Treatment Covered by Healthcare Insurance Missouri MO

Adolescent Treatment Programs in Missouri Accepting Insurance

Finding an adolescent mental or behavioral treatment provider in Missouri 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 Missouri 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 Missouri and ask them to contact your insurer for you, as they might be able to get you answers faster.

Mental & Behavioral Health Coverage in Missouri

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 Missouri 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 Missouri

Before attempting to admit or enroll your troubled teen into a mental or behavioral health treatment program in Missouri 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 Missouri 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 Missouri. 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 Missouri, such as Intensive Outpatient treatment, Intensive Inpatient treatment, Partial Hospitalization treatment, as well as Individual and Group Therapy.

In addition, treatment programs in Missouri 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 Missouri-based residential treatment centers can get assessments, tests, and diagnostic services paid for, thus lowering the overall cost of treatment. 

Missouri Resources for Parents and Struggling Teenagers

: The Division and its contracted programs offer services that have been proven to help people with mental illness and substance use problems. Those services help to prevent crime and make communities safer, reduce emergency room visits, and prevent school drop out. Many people are able to keep their job or get help finding a job when they receive services. The Division of Behavioral Health wants all Missourians to receive the mental health services they need to live a happy, healthy, and productive lifestyle of their choice.

Families from Missouri have made Turning Winds their first choice for child restoration and assistance. Parents, seeking help for their child, can expect a team of compassionate, licensed therapists and leaders here at Turning Winds. Turning Winds operates from the understanding that "restoration" must come from the inside-out, not from the outside-in. We are committed to giving help to not only teens experiencing ADD/ADHD (attentional disorder), substance abuse (including marijuana), or behavioral misconduct, but also the entire family; with the assistance they need for lasting restoration.

Turning Winds recognizes that the circumstances of one struggling child does not always apply to other teenagers. As a result, our experienced therapists are committed to the administration of each student’s needs; a commitment illustrated by their expert professionalism and sympathy. Here at Turning Winds, we include the entire family (especially the parents) in the process of our student’s therapy, restoration, and progress.

Our purpose is to see your struggling child make a successful transition into adulthood, while living independently as a dignified young adult. Don’t hesitate to contact Turning Winds’ family advocates for more information regarding enrollment, tuition, and insurance options. For testimonials from current and past Turning Winds families, reach out to our team; call one of our licensed family advocates at (800) 845-1380, and discover how we can offer top-notch help to your troubled child today!

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