My teen needs rehab but we have terrible insurance
In the process of trying to get a Single Case Agreement thru our mental health insurance- HMC Healthworks. (changed to Uprise recently) but the admin at Newport Academy said it doesn't look good because they probably won't pay their rates. I believe her and I believe when she calls me back tomorrow the answer will be no, after all the insurance company has only 1 psychiatrist that accepts their insurance near us. Does anyone have advice on next steps when they refuse the single case agreement? My 15 year old has been hospitalized twice in the past for depression and anxiety, and now she needs a rehab. (Think- oxy, weed, coke) She is dual diagnosis. Has a therapist and psychiatrist and is taking meds but she's out of control (lying, sneaking out, verbally abusive "I hope you die' 'I'd kill you in a purge', 'fuck off', etc.. cutting, trading pics and actual sex acts for drugs, (apparently they just VENMO each other for that!!,) skipped almost her entire sophomore year, OD'd last month, threatening suicide when I won't let her see her friends or when I take her phone... So she needs a higher level of care. I'm at a complete loss. We cannot afford to pay without insurance, we can't even afford a private consultant. Isn't there some kind of insurance law the company has to pay for care like this?