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Do I have Adolescent Treatment Insurance? Understanding Cigna Coverage

adolescent treatment cigna

Navigating insurance coverage and paying for adolescent treatment can be overwhelming and confusing. With so many different insurance providers and policies, knowing what is covered and what is not can take time and effort. At Stonewater, we understand the importance of accessible treatment for adolescents and their families. Here's what you need to know about Cigna coverage for adolescent treatment.

Understanding Cigna Coverage for Adolescent Treatment

Cigna is one of the largest health insurance providers in the United States, serving more than 20 million customers. Cigna offers a range of insurance policies that cover behavioral health services, including adolescent treatment. However, each policy's specific coverage and benefits can vary depending on each policyholder's plan — and the state in which they live.

Cigna policies generally cover a range of behavioral health services, including inpatient and outpatient treatment, medication management, and therapy. Cigna also offers access to a network of mental health and substance abuse providers, making it easier for policyholders to find and access treatment.

Does My Cigna Policy Cover Adolescent Treatment?

If you have a Cigna policy, it's essential to understand what specific benefits and coverage you can access. The best way to determine your policy's coverage is to contact Cigna or your insurance broker. You can also review your policy documents or log in to your Cigna account to view your benefits and coverage.

It may be helpful to consider the amount your insurance company paid as a "contribution" instead of coverage. In many cases, you will need to pay a portion of the cost of treatment in the form of a copay, coinsurance, or out-of-pocket maximum (individual or family). No matter what it's called, each of these forms of payment is a way for insurance companies to ensure that subscribers utilize their benefits judiciously. In short, they want you to have skin in the game.

The best way to know exactly how much you will need to pay for treatment is to verify your benefits with our team. Verify your benefits by filling out a form or call us to provide your insurance details, and we'll work with Cigna to determine the nature of their contribution. From there, our team will work with you to make sure you understand Cigna's adolescent treatment contribution — and your own — and to help you figure out a way to access the treatment your child needs.

Investing in Adolescent Treatment

If your insurance contribution is less than you expected, many paths remain. We can help you create a financial package with solutions to get you where you need to be. For many parents, this is the most important investment they can ever make — and we'll do everything we can to help you along the way.

Indeed, adolescent treatment can be crucial in addressing mental health and substance use issues in young people. According to the National Institute on Drug Abuse, early intervention and treatment can improve outcomes for adolescents struggling with addiction and mental health disorders.

Our adolescent treatment program specifically addresses the unique needs of young people. Every resident receives a full psychological assessment upon arrival to determine those needs. From there, our team of adolescent experts develops a customized plan to help them thrive. Each plan includes a range of evidence-based therapies, such as cognitive-behavioral therapy, family therapy, and group therapy, along with specialized programming like our Stonewater Startup.

Adolescent treatment can also provide a safe and supportive environment for young people to heal and recover. At Stonewater Recovery, we offer a range of holistic therapies, such as yoga and meditation, that can help adolescents manage stress and promote overall well-being.

More Help for Adolescent Treatment 

Navigating insurance coverage for adolescent treatment can be challenging, but it's an essential step in accessing the care your child needs. At Stonewater, we understand the importance of accessible and effective adolescent treatment. Our team can work with you to determine your policy's coverage and help you access the treatment your child needs. Contact us today to learn more about our residential  adolescent treatment programs and how we can help your family.