United Healthcare Behavioral Health
Paying For Adolescent Treatment With United Healthcare
Finding adolescent treatment with United Healthcare can open the door to healing and recovery for your child.
At Beachside Teen Treatment, 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 888-254-0916.
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 may cover teen mental health and substance abuse treatment.
United Healthcare coverage for adolescents typically includes:
- Residential treatment programs
- Partial hospitalization programs (PHP)
- Intensive outpatient programs (IOP)
- Therapy Programs
- Aftercare Programs
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 teen’s condition.
How Does The United Healthcare Insurance Verification Process Work At Beachside
At Beachside Teen 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 teen 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 programming.
- Ongoing support: Throughout treatment, we continue to work with United Healthcare to ensure coverage remains in place as treatment progresses and needs evolve.
Insurance Verification
Understanding Your United Healthcare Coverage Options
United Healthcare offers several plan types that may cover teen 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 teens at Beachside, depending on medical necessity:
- Residential Treatment: For teens requiring 24-hour supervision and intensive therapy, United Healthcare may cover Beachside’s residential treatment when it’s deemed medically necessary. Our comprehensive residential programs address mental health disorders, substance use issues, and co-occurring conditions in a beachside setting that promotes healing and growth.
- Partial Hospitalization Programs (PHP): These structured day treatment programs provide intensive therapeutic support while allowing teens to return home in the evenings. Coverage typically includes individual therapy, group therapy, family therapy, and medication management.
- Intensive Outpatient Programs (IOP): Less intensive than PHP, these programs typically meet 3-5 days per week for several hours each day. United Healthcare often covers IOP when clinically appropriate.
Tour Our Adolescent Treatment Programs in California
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 Beachside Teen 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. Often, we can work with clients on sliding scales and payment plans, as we never want payment to be a barrier for treatment.
Why Beachside?
Choosing Beachside Teen 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.
- Unique healing environment: Our beachside location provides a serene and supportive setting that enhances the therapeutic experience while meeting insurance criteria for appropriate care.
- Comprehensive services: Our holistic approach addresses all aspects of teen 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.
Tja-Zsa Hower, LCSW
Primary Therapist
Last Updated on March 12, 2025
Find Help For Your Family
At Beachside, our programming meets the highest standards for quality adolescent healthcare.
Table of Contents
Find Adolescent Treatment With Your United Healthcare Coverage Today
Don’t let concerns about insurance coverage prevent your teen 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.