Teens at Muir Wood enjoy game night

Does Insurance Cover Teen Rehab?

If you have a teen who is living with mental health or substance use disorders and want to learn more about your insurance coverage, we can help.

Thanks to the Affordable Care Act of 2010, insurance companies must provide full or partial coverage for mental health and substance use disorder treatment.

How Much Does Insurance Pay for Rehab?

Our utilization review managers work with insurance providers daily and are familiar with their coverage options. They can help you understand your specific coverage options and get the most out of your benefits.

They can answer questions like, “Have I met my deductible,” “Have I reached my out-of-pocket maximums,” or “Is rehab even covered by my insurance, and if so, how much?”

They can also help you understand which steps to take next.

Rehab Insurance Coverage Often Requires Prior Authorization

Whether you’re asking the admissions specialists at Muir Wood, “Does my insurance cover teen drug rehab,” or “Does my insurance cover teen mental health treatment,” the honest answer is, “It depends.”

The first step is getting rehab coverage authorized by your insurance provider, which requires sharing the results of a comprehensive assessment of your teen with a case manager at your insurance provider.

Based on this initial assessment, your insurance case manager may authorize residential treatment for five, seven, ten, or more days. The length of time often depends on your insurance coverage and something called “medical necessity.” Medical necessity means what your insurance provider says is necessary for a specific level of care.

You Will Always Know Your Financial Responsibility Ahead of Time

We want to avoid financial surprises for you and your family.

That’s why, before your teen is admitted to Muir Wood for any treatment services, our utilization review managers will tell you how many days you can expect to be covered and what you can expect to pay out-of-pocket.

We Are In-Network With Many Major Insurance Providers

Muir Wood is in-network with some of the nation’s largest insurance providers, including

  • Anthem Blue Cross Blue Shield
  • Aetna
  • Cigna
  • Halcyon
  • Kaiser Permanente
  • Magellan
  • MHN
  • Optum

Being an in-network provider means Muir Wood is more accessible to more families. It also signifies that we adhere to the nation’s most rigorous standards for evidence-based, outcomes-driven treatment, licensure, and safety standards.

We can also work on an out-of-network, single-case basis with most other major insurance providers.

Please verify your insurance coverage here.

Your Teen’s Health and Recovery Are Our Top Priorities

Please don’t hesitate to contact our knowledgeable admissions team if you have questions or need clarification about your insurance coverage or treatment. Help your teen get started on their path toward healing. Call a Muir Wood admissions specialist today to learn more about our teen substance use and mental health treatment insurance coverage at 866-705-0828.