Cigna Behavioral Health

Cigna Insurance Coverage For Adolescent Treatment

At Beachside Adolescent Treatment Center, we recognize that understanding your appropriate insurance coverage options for your teen’s behavioral health or substance abuse treatment can be a complex process.

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Our experienced team works directly with Cigna Insurance to help families navigate their benefits and access the highest quality care for their adolescents. We’re committed to transparency and advocacy throughout your insurance journey, ensuring you can focus on what matters most—your teen’s healing and growth in our serene beachfront therapeutic environment.

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Using Cigna To Cover Adolescent Treatment

Cigna insurance plans typically include coverage for behavioral health services, including the specialized adolescent treatment programs offered at Beachside.

Thanks to federal mental health parity laws, Cigna must provide comparable coverage for mental health and substance use treatment as they do for medical care. This provides significant protection for families seeking adolescent treatment services.

Our Beachside insurance specialists work directly with Cigna to:

Conduct thorough benefit verifications specific to our programs
Secure necessary information before and during admission
Submit detailed clinical documentation supporting treatment needs
Manage ongoing utilization reviews to maintain appropriate coverage
Appeal any coverage denials when medically necessary treatment is recommended

We handle these complex processes so you can concentrate on supporting your teen through their recovery journey.

How Can I Verify Cigna Coverage for My Teen?

Verifying your Cigna coverage for Beachside’s adolescent treatment programs is straightforward:

Contact our admissions team: Call (800) 456-7890 to initiate a complimentary insurance verification or verify your insurance below.
Complete our insurance verification form: Provide your Cigna policy details, including your member ID and group number.
Verification process: Our team will contact Cigna directly to determine your specific coverage for our programs.
Coverage review: We’ll schedule a call to explain your benefits, including coverage percentages, deductibles, and potential out-of-pocket expenses.
Written benefits summary: Receive a detailed breakdown of your expected coverage and financial responsibility.

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What Types of Teen Treatment Programs Does Cigna Cover at Beachside?

Cigna typically provides coverage for a range of adolescent treatment services at Beachside, depending on your specific plan and your teen’s clinical needs:

Residential Treatment: Our premier oceanside residential program providing comprehensive 24/7 therapeutic care
Partial Hospitalization Program (PHP): Structured daytime treatment with evening returns to home or supported housing
Intensive Outpatient Program (IOP): Focused treatment that allows teens to maintain school attendance
Dual Diagnosis Treatment: Specialized care for teens with co-occurring mental health and substance use disorders
Specialized Therapeutic Services: Including trauma therapy, family therapy, and evidence-based modalities
Aftercare Planning and Support: Continued care as teens transition to lower levels of treatment

Coverage levels and authorization requirements vary by specific Cigna plan and are based on clinical assessments of your teen’s needs.

Understanding Cigna Insurance Options

Cigna offers several different insurance plans that may provide coverage for adolescent treatment at Beachside:

Cigna Open Access Plus (OAP): Provides flexibility to see providers in or out of network without referrals
Cigna Preferred Provider Organization (PPO): Offers coverage for both in-network and out-of-network providers
Cigna LocalPlus: Offers cost-effective coverage through a carefully selected local provider network

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What Will My Out-of-Pocket Cost Be For Teen Treatment?

Your specific financial responsibility for Beachside treatment will depend on several factors related to your Cigna plan:

Deductible: The amount you must pay before Cigna begins covering services
Coinsurance: The percentage of costs you share with Cigna (typically 10-30%)
Copayments: Fixed amounts paid for specific services
Out-of-pocket maximum: The annual cap on your total spending for covered services
Pre-authorization: Whether treatment has been pre-approved by Cigna

Our financial counselors provide detailed cost estimates before admission and work with families to explore payment options for any non-covered expenses. We believe treatment decisions should be based on clinical needs rather than financial constraints.

How Long Will Cigna Cover My Teen's Treatment?

The duration of coverage for adolescent treatment through Cigna depends on:

The specific terms of your Cigna policy
Clinical documentation of medical necessity
Your teen’s response to treatment
Recommendations from our clinical team

Typically, Cigna initially authorizes residential treatment for a certain number of weeks, with extensions granted based on demonstrated progress and ongoing need. Our utilization review specialists work closely with Cigna case managers, providing regular updates and clinical documentation to ensure coverage continues as long as medically necessary. For PHP and IOP programs, authorizations are typically granted in 2-4 week increments, with similar extension processes based on clinical needs.

Mark Paladini

Director of Education

Last Updated on March 12, 2025

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At Beachside, our programming meets the highest standards for quality adolescent healthcare.