United Healthcare Coverage
Finding adolescent treatment with United Healthcare can be a pivotal moment in your child’s journey to wellness.
Contact Hillcrest Adolescent Treatment Center today to learn more.
United Healthcare Coverage
Finding adolescent treatment with United Healthcare can be a pivotal moment in your child’s journey to wellness.
Contact Hillcrest Adolescent Treatment Center today to learn more.
Finding adolescent treatment with United Healthcare can be a pivotal moment in your child’s journey to wellness.
At Hillcrest Adolescent Treatment in California, we understand that navigating the financial aspects of treatment can be overwhelming. This guide will help you understand how United Healthcare insurance can make quality mental health and substance abuse treatment more accessible and affordable for your family.
Learn more about our teen treatment programs in California or call us now at 800-275-1707.
Understanding United Healthcare Insurance for Adolescent Treatment
United Healthcare is one of the largest health insurance providers in the United States, offering various plans that cover adolescent mental health and substance abuse treatment.
One of the most important things to understand is that if you have United Healthcare coverage as a parent, your child is typically covered under your policy until age 26. This means your adolescent has access to a range of mental health and substance abuse treatment services through your existing policy.
United Healthcare typically covers comprehensive adolescent treatment services including inpatient psychiatric care, residential treatment programs, partial hospitalization programs, intensive outpatient programs, and various therapy modalities. They also generally cover medication management services which are often a crucial component of effective adolescent treatment.
The extent of coverage depends on your specific plan, network status, and the medical necessity of the treatment. United Healthcare follows evidence-based guidelines to determine what services are medically necessary and appropriate for your child’s condition.
At Hillcrest, we work closely with United Healthcare to ensure that your child’s treatment plan meets these guidelines to maximize your coverage benefits.
Using United Healthcare to Pay for Adolescent Treatment
At Hillcrest Adolescent Treatment, we simplify the insurance verification process for you:
- Initial consultation: When you contact our admissions team, we’ll collect your insurance information, including your United Healthcare policy number and group ID.
- Benefits verification: Our experienced insurance specialists will contact United Healthcare directly to verify your benefits, including coverage levels for the specific treatment programs your adolescent needs.
- Coverage explanation: We’ll provide you with a clear breakdown of what services are covered, expected out-of-pocket costs, and any limitations or exclusions in your policy.
- Pre-authorization assistance: Our team will work with your healthcare providers to submit necessary documentation to obtain required pre-authorizations from UnitedHealthcare once your child has been admitted into our programs.
- Ongoing support: Throughout treatment, we continue to work with United Healthcare to ensure coverage remains in place as treatment progresses and needs evolve.
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Understanding Your United Healthcare Coverage Options
United Healthcare offers several plan types that may cover adolescent treatment services:
- PPO (Preferred Provider Organization) plans typically offer more flexibility in choosing providers, with partial coverage for out-of-network services. These plans generally have higher premiums but lower out-of-pocket costs for treatment.
- HMO (Health Maintenance Organization) plans usually require you to use in-network providers and may require referrals from a primary care physician. These plans often have lower premiums but less flexibility.
- EPO (Exclusive Provider Organization) plans require you to use in-network providers except in emergencies but don’t require referrals.
- High Deductible Health Plans (HDHP) typically have lower premiums but higher deductibles. These are often paired with Health Savings Accounts (HSAs) that can help pay for treatment costs.
What Adolescent Programs Will United Healthcare Cover
United Healthcare typically covers a continuum of care for adolescents at Hillcrest, depending on medical necessity:
- Residential Treatment: For adolescents requiring 24-hour supervision and intensive therapy, United Healthcare may cover Hillcrest’s residential treatment when it’s deemed medically necessary. Our comprehensive residential programs address mental health disorders, substance use issues, and co-occurring conditions.
- Partial Hospitalization Programs (PHP): These structured day treatment programs provide intensive therapeutic support while allowing adolescents to return home in the evenings. Coverage typically includes individual therapy, group therapy, family therapy, and medication management.
What Will My Out-of-Pocket Costs Be?
Your out-of-pocket costs will depend on several factors:
- Deductible: The amount you must pay before insurance begins to cover services
- Copayments: Fixed amounts you pay for specific services (e.g., $25 per therapy session)
- Coinsurance: The percentage of costs you pay after meeting your deductible (e.g., 20% of residential treatment costs)
- Out-of-pocket maximum: The most you’ll have to pay during a policy period
At Hillcrest Adolescent Treatment, our insurance specialists will provide you with a detailed estimate of your expected out-of-pocket costs based on your specific United Healthcare plan and the recommended treatment program and can work with you on any barriers to treatment.
What Adolescent Programs Will United Healthcare Cover
United Healthcare typically covers a continuum of care for adolescents at Hillcrest, depending on medical necessity:
- Residential Treatment: For adolescents requiring 24-hour supervision and intensive therapy, United Healthcare may cover Hillcrest’s residential treatment when it’s deemed medically necessary. Our comprehensive residential programs address mental health disorders, substance use issues, and co-occurring conditions.
- Partial Hospitalization Programs (PHP): These structured day treatment programs provide intensive therapeutic support while allowing adolescents to return home in the evenings. Coverage typically includes individual therapy, group therapy, family therapy, and medication management.
What Will My Out-of-Pocket Costs Be?
Your out-of-pocket costs will depend on several factors:
- Deductible: The amount you must pay before insurance begins to cover services
- Copayments: Fixed amounts you pay for specific services (e.g., $25 per therapy session)
- Coinsurance: The percentage of costs you pay after meeting your deductible (e.g., 20% of residential treatment costs)
- Out-of-pocket maximum: The most you’ll have to pay during a policy period
At Hillcrest Adolescent Treatment, our insurance specialists will provide you with a detailed estimate of your expected out-of-pocket costs based on your specific United Healthcare plan and the recommended treatment program and can work with you on any barriers to treatment.
Why Hillcrest?
Choosing Hillcrest Adolescent Treatment for your child offers several advantages when working with United Healthcare:
- Insurance expertise: Our dedicated insurance team has extensive experience working with United Healthcare policies and can maximize your benefits.
- Evidence-based treatment: Our programs meet United Healthcare’s criteria for medical necessity through our use of proven therapeutic approaches.
- Continuum of care: We offer multiple levels of care, allowing for seamless transitions as your adolescent progresses in treatment while maintaining insurance coverage.
- Comprehensive services: Our holistic approach addresses all aspects of adolescent well-being, including mental health, substance use, academics, and family dynamics.
- Outcomes focus: We track and document treatment progress, which supports continued coverage for the appropriate duration of treatment.
More: What Parents Can Expect
Why Hillcrest?
Choosing Hillcrest Adolescent Treatment for your child offers several advantages when working with United Healthcare:
- Insurance expertise: Our dedicated insurance team has extensive experience working with United Healthcare policies and can maximize your benefits.
- Evidence-based treatment: Our programs meet United Healthcare’s criteria for medical necessity through our use of proven therapeutic approaches.
- Continuum of care: We offer multiple levels of care, allowing for seamless transitions as your adolescent progresses in treatment while maintaining insurance coverage.
- Comprehensive services: Our holistic approach addresses all aspects of adolescent well-being, including mental health, substance use, academics, and family dynamics.
- Outcomes focus: We track and document treatment progress, which supports continued coverage for the appropriate duration of treatment.
More: What Parents Can Expect
Find Insurance Coverage For Your Adolescent Today
Don’t let concerns about insurance coverage prevent your adolescent from receiving the treatment they need. Our compassionate admissions team is ready to help you navigate the United Healthcare insurance process and access the care your child deserves.
Contact us today for a free, confidential insurance verification and consultation.
