You’ve made the decision to seek out residential DBT treatment for your child and the next step is to determine how to pay for those services. Midwest Center for Youth and Families understands how confusing and frustrating this process can be—and we are here to help you explore your available resources.
During the referral process, we will help you identify your funding options, verify your child’s benefits, and request the required authorizations from your Insurance or Medicaid payor source.
Treatment Funding Sources
Currently, we accept the following types of funding sources to pay for our therapeutic, residential DBT services:
Families may self-pay for our services. Terms of payment are arranged for prior to your child’s admission to the program.
- Private Insurance:
We are a preferred provider and contract with most major private insurance companies. Here’s some important things to be aware of regarding insurance:
- Verification of Benefits: During the referral process, we will contact your insurance carrier to verify benefits and determine whether or not your specific plan covers behavioral health residential services. If we do not currently have a contract with your insurance carrier, we are willing to work with them to determine if an ad hoc agreement can be arranged to cover the cost of residential services for your child.
- Prior Authorization for Services: Once we’ve determined your child meets criteria for therapeutic residential services, we will then contact your insurance company to request authorization for admission into our program—and will continue to follow-up with your insurance company to provide updates and request additional authorizations for the duration of your child’s stay in our program.
- Co-pays, Deductibles and Uncovered Services: Families will be responsible for paying for all applicable co-pays and deductibles, as mandated by their insurance company, as well as any uncovered days for treatment due to an insurance denial. Terms of payment for co-pays and deductibles are arranged for prior to your child’s admission to our program. In the event that your insurance company denies services, you will be responsible for any uncovered charges.
- Indiana Medicaid: Midwest Center for Youth and Families is licensed by the State of Indiana. And, just like private insurance, Indiana Medicaid requires prior authorization before they will cover a child’s admission into our program. The Medicaid authorization process can take up to 10 days, or more, to receive approval or denial to our request for the initial authorization. Once a child has been prior authorized for admission into our program, we will continue to follow-up with Indiana Medicaid to provide updates and request additional authorization for the duration of your child’s stay at one of our facilities.