One of the many reasons that teens don't get the treatment that they need is because insurance companies don't cover the treatments. This is because Insurance companies only pay for things that are "medically necessary," meaning that someone has to officially diagnose you with a mental illness and it has to be proven that it is impacting you on a daily basis.
They will tell you that "a quote for benefits does not guarantee payment...," so you can be told that you are covered, even given an authorization number, and still be denied. They will also only approve only a certain number of sessions. If it is necessary or it is highly recommended you continue treatment after you meet that number, you can make a claim to be reimbursed for the out-of-pocket treatment pay. Insurance companies will often deny your claim or can take months for them to reimburse you. This lengthy time period can interrupt treatment or create a "claw back," where they can take an allotted amount of time to reimburse you. It is a possibility that some people might end up having to leave their therapist, sometimes without paying simply because they can't afford it. Leaving your therapist like this can cause them to come to you for any payments in need of paying off because you are ultimately responsible for the fees. One thing that you can do when using your insurance is to contact the before treatment begins and get it approved. Ask them what information you will need to get reimbursed, and if/when you get denied, there will several levels of appeal processes with your therapist to go through to get the coverage that you deserve. Although, this can take weeks up to months. If you can contacting your insurance company for coverage information, inquire about these things:
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