Teen Treatment Covered by Healthcare Insurance Montana MT

Adolescent Treatment Programs in Montana Accepting Insurance

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

Mental & Behavioral Health Coverage in Montana

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 Montana 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 Montana

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

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

Montana State Resources for Parents of At-risk Teenagers

As one of the best Academic Institutes for a variety of therapeutic intervention strategies (CBT, DBT, behavioral therapy) and outdoor recreation and adventure therapy in the US, Turning Winds echoes the philosophy of these top-notch resource of volunteers and professional counselors.

Montana Department of Public Health and Human Services: Addictive & Mental Disorders Division - The mission of the AMDD of the Montana Department of Public Health and Human Services is to execute and advance a suitable statewide method of treatment, prevention, rehabilitation, and care for at-risk teens and young men and women of Montana; battling mental disorders or alcohol dependence issues. By contracting with Montana's behavioral health providers, AMDD administers mental health and alcohol dependence services to adolescent boys and girls and young men and women in the community.

National Alliance on Mental Illness Montana (NAMI) - NAMI Montana is the local Montana chapter of the National Alliance on Mental Illness. Founded over 35 years ago, NAMI is the nation's largest grassroots resource for at-risk adolescent boys and girls and young men and women (and their families) battling mental illnesses. With over one thousand regional alliances across the nation, NAMI now has affiliates in every state. NAMI has branches located in Billings, Bozeman, Great Falls, Havre, Helena, Kalispell, Livingston, Lewistown, and Missoula. NAMI Montana now has over four hundred affiliates, and the number is growing! NAMI Montana educates, offers direction, and advocates for troubled teens and young men and women and their families in Montana; battling severe mental illnesses. This is accomplished by not only offering help to concerned families; to start up local support, but also by educating the public to overcome the stigmas linked to mental illness.

Turning Winds is the first choice for Montana parents searching for a top-notch Academic Institute to give direction to their at-risk child undergoing alcohol dependence, anger, or ADD/ADHD (attentional disorder). Because working with highly resistant adolescent boys and girls is challenging, most programs rely on level systems, punishments, and other behavioral techniques to manage a teen student's behavior. Here at Turning Winds, we recognize that the circumstances of one troubled child doesn't always apply to all of our teen students. Because of this, Turning Winds is dedicated to the management of each adolescent's needs, and we do this with professionalism and care. Turning Winds's counselors and field staff discourage judgments and labels, and never allow a diagnosis to interfere with what at-risk teens have in common with each other - their humanity.

Here at Turning Winds, we include the entire family (especially the parents) in the process of our teen student's therapy, rehabilitation, and progress. Turning Winds has transformed the lives of countless at-risk adolescent boys and girls over the years, including many from Montana. Our approach has improved the lives of our at-risk teen students, and their families. We see that troubled teens can grow to be healthy adults with a desire to succeed! Turning Winds understands that in order for our at-risk teen students to experience real rehabilitation, the entire family needs to be part of the direction that our counselors offer. Our admissions specialists can be reached immediately at (800) 845-1380.

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