Does Blue Cross Blue Shield Insurance Cover Treatment for Eating Disorders
Statistics show that up to 24 million people suffer from an eating disorder, such as anorexia, bulimia or a binge eating disorder. Blue Cross Blue Shield Insurance coverage differs according to the state in which it’s offered. The company is dedicated to covering eating disorders, as evidence by its website, which has information on eating disorders in the “Second Opinion” section.
Type of Rehabs Blue Cross Blue Shield Insurance Will Pay For
The policies that individuals have with Blue Cross Blue Shield can vary significantly. In general, this medical coverage provider does offer provisions for mental illness, which often include eating disorders. The rehabs covered under this plan likely include inpatient and outpatient treatment centers, again depending on the plan. Though it is unlikely, some plans may cover luxury treatment or executive treatment plans.
How Much of the Cost is Covered by Blue Cross Blue Shield?
Blue Cross Blue Shield coverage policies vary in what they will cover and how much of the cost they will absorb — if you are receiving medically necessary treatment, it is likely at least a portion of your costs will be covered by Blue Cross Blue Shield. Medical coverage providers also update their policies frequently. It is important for the policyholder to review what their specific policy specifies under the mental health category and specifically that which is related to eating disorders.
If left untreated, eating disorders can lead to some serious physical disorders. The length of the illness and the effects it is having is what will dictate the level of treatment that is needed. The treatment could include counseling, intensive outpatient therapy, hospitalization and a stay in a rehab designed to address this health issue.
Can I Cover Above What Blue Cross Blue Shield Will Cover to Receive Treatment?
Many patients that are suffering with eating disorders want the best eating disorder rehab program available to them. In these cases, you absolutely can pay above what Blue Cross Blue Shield will cover. If you’re interested in luxury or executive treatment or other special treatments, you will likely have to pay above what Blue Cross Blue Shield will cover.
What Treatment Lengths Will Blue Cross Blue Shield Pay For?
Your specific policy will dictate what type of coverage you have and included in this will be the length of time Blue Cross Blue Shield will provide coverage for. Blue Cross Blue Shield may cover, at least partially, any length of treatment and aftercare that is deemed medically necessary; however, it’s always best to check your specific plan. Treatments most often last one month, two months, or three months. Other special treatments, such as therapeutic communities, may last longer.
Like any other medical problem, eating disorders differ greatly in each person it affects. Length of treatment is based on the individual needs of the person suffering with this problem. There are also different types of eating disorders, and each type has a specific time demand for successful treatment.
Eating Disorder Inpatient Therapy vs. Outpatient Therapy
"Statistics show that up to 24 million people suffer from an eating disorder, such as anorexia, bulimia or a binge eating disorder. Blue Cross Blue Shield Insurance coverage differs according to the state in which it’s offered."
Since there is a high risk of physical complications arising from eating disorders like bulimia or anorexia, inpatient therapy in a hospital setting may be the best option for a patient. Inpatient therapy sequesters patients away from triggers and other issues that may affect his disorder, giving him a chance to relax and focus on healing. Once a patient has recovered, he often continues treatment as an outpatient, during which he visits a facility for treatment but lives at home. For less severe cases, it’s also possible for someone to start as an outpatient.
Should I Choose a Residential Rehab Center?
If you are suffering from an eating disorder, you should speak with your doctor or medical consultant to work on deciding which treatment will be best for you. It is important that you choose a treatment you are comfortable with. Some individuals feel that being in a controlled setting like a residential rehab center would give them a greater chance of dealing with their disorder.
Will Blue Cross Blue Shield Pay for Local Rehab and Out of State Treatment?
You would need to refer to your specific policy to see exactly what it covers regarding treatment for this problem, and whether it will give you the option of seeking out-of-state treatment. As long as your desired treatment center is in-network for your Blue Cross Blue Shield plan, you should be able to be covered, regardless of its location. Eating disorders are becoming far more recognized as a serious problem; because of this, there are more treatment options and rehab centers offering good quality treatment for these disorders.
Does Blue Cross Blue Shield Pay for Private or Luxury Treatment?
If you think private or luxury treatment would be beneficial for overcoming your disorder, speak with Blue Cross Blue Shield to see if it will cover any part of this treatment. Most likely it will not cover the full cost, but it may cover part of it, depending on your plan. If you think the amenities offered by these treatment programs will help you get healthy, consider paying out of pocket or discussing a payment plan with the specific facility.
What Does Executive Treatment Offer Over Other Rehabs?
Eating disorders do not just target a specific type of person, profession or gender. Executives who suffer with this disorder may opt for a rehab that caters to their specific professional level. Treatment may focus on the type of daily atmosphere that an executive has to deal with on a daily basis; moreover, executive treatment will allow executives to continue necessary work.
What if I Have No Insurance?
Treatment costs differ according to the specific program. You may want to first look at those eating disorder treatments that offer a good program, but within your price range. Then secondly, think about utilizing those treatment centers that offer payment options.
Using Our Helpline to Determine Your Blue Cross Blue Shield Rehab Options
You don’t have to struggle alone looking for a solution. Let us help you determine what your specific Blue Cross Blue Shield coverage will do for you in respect to covering your treatment costs. Just give us a call at 1-888-341-7785.
Questions and Answers
- Will Blue Cross Blue Shield Cover Multiple Stays?
- Does Insurance Pay for AfterCare?
- Could Rehab Make my Insurance Higher?
- Has the Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
It is not unusual for an individual suffering with an eating disorder to relapse or require more help. Your policy will determine just how much coverage is available to you for repeat treatments. If treatment is medically necessary, you will likely receive more coverage.
Insurance will pay for aftercare if it is medically necessary for you overcoming your disorder.
No reputable insurance company would punish their policy holders for having to use coverage because of a mental disorder that is out of their control.
Obamacare has outlined that mental illness count as essential coverage. Effectively, Obamacare has expanded substance abuse and mental health insurance coverage.