Does Insurance Cover Teen Treatment?
Often, yes. We’re in-network with United Healthcare, Aetna, Cigna, and Curative, and we work with many other plans through their out-of-network benefits. The fastest way to know what your plan covers is to let us verify your benefits, free, no obligation.
Have United Healthcare, Aetna, Cigna or Curative? You’re in-network.
Your teen’s IOP or PHP is covered under your plan’s standard terms. We’ll confirm your deductible, copay, and out-of-pocket max before you begin. UnitedHealthcare plans are in-network for admissions starting September 1, 2026.
Have another insurer? You may still be covered.
Don’t assume the door is closed. Many PPO plans include out-of-network (OON) benefits, and a lot of our families use them. The difference from in-network is small, because we do the insurance work for you:
- We verify your benefits — confirming whether your plan has OON coverage and what you’d owe (deductible, coinsurance, out-of-pocket max).
- We file the claims — not you. No superbills to chase. We submit, pursue reimbursement, and appeal denials.
- We keep you informed — including the occasional plan that reimburses you, the member, directly.
What will it cost?
With out-of-network care, the main difference is cost, and we’ll be honest about it.
After we verify your benefits, we’ll walk you through how your deductible, coinsurance, and out-of-pocket max apply. But your exact cost depends on the “allowed amount” your insurer sets for each service, and that isn’t final until claims process and EOBs are issued. Even similar-looking plans can pay differently.
We will give you the clearest estimate we can up front, and keep you posted as your benefits are applied.
No out-of-network benefits?
If your plan has no out-of-network benefits, we can request a Single Case Agreement (SCA) — asking your insurer to cover us as in-network for your teen. We’ll build the case around your teen’s clinical needs, which is what insurers weigh most. Approval isn’t guaranteed and typically depends on documented medical necessity and a lack of comparable in-network options for your family.
Why families choose us — even out of network
What sets us apart:
- Built for teens — every part of the program, from the groups to the family work, is designed around adolescents and what they actually need.
- An engaging skills curriculum — teens build skills through an integrative, evidence-based approach that meets them where they are and keeps them engaged, incorporating DBT, CBT, ACT, and experiential therapy.
- Individualized attention — a close, personal environment where your teen feels known and comfortable.
- A calm, welcoming space — somewhere your teen feels at ease and finds easy to walk into.
- Whole-family work — our Emotion-Focused Family Therapy (EFFT) approach.
- School built in — academic support during PHP so your teen doesn’t fall behind.
Many of these families tried in-network first and found it didn’t fit, didn’t have space, or didn’t specialize in their teen’s needs.
Find out what your plan covers
Let us verify your benefits — it’s the easiest first step, and it’s free. Our pre-admission form includes your insurance details, so our team can run your verification and tell you where you stand.
Prefer to talk? Call admissions at 832-376-5129.