Eating disorders such as anorexia nervosa and bulimia nervosa are a growing problem in the United States. Although statistics reveal that the issue is most prevalent among people under the age of 30, there is a growing trend of disordered eating behavior among people — particularly women — in their middle age. Eating disorders take a grave toll on the health and wellness of those they afflict, but there is help available to those who need it.
Does HCSC Insurance Cover Treatment for Eating Disorders?
Health Care Service Corporation does offer treatment options if you or a loved one are suffering with an eating disorder such as anorexia or bulimia. HCSC is affiliated with Blue Cross Blue Shield and offers several treatment options for people with eating disorders under the behavioral health plans offered by BCBS. If you need help with recovering from your eating disorder, HCSC can cover all or part of your treatment.
What Kind of Coverage Does HCSC Insurance Offer for Eating Disorder Treatment?
HCSC offers different types and amounts of coverage depending on your particular plan and where you live. If your doctor deems that you need medical treatment, HCSC will generally offer at least partial coverage. However, any treatments that are deemed experimental or investigational will not be covered by your insurance.
Types of Rehabs HCSC Will Pay For
HCSC will cover, either in whole or in part, any treatment that is considered a medical necessity, including both those treatments that are for physical symptoms and those which fall under the mental health umbrella. Again, the amount of coverage that is offered for these services is dependent on several factors, such as which plan you have and where the treatment is being sought.
How Much of the Cost of Rehab Is Covered by HCSC?
The amount of cost covered by HCSC varies depending on what your particular plan’s policy states, what your deductible and out-of-pocket maximums are and if they have already been met, and whether your treatment is considered medically necessary. HCSC might cover your our eating disorder treatment, but it also might not, which might necessitate you setting up a payment plan with the treatment provider.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
If your insurance carrier will not pay the full cost of your eating disorder treatment, you may pay the remainder of the costs. Eating disorder rehab treatment can be a lengthy and costly process, so many service providers are willing to work with you by setting up a payment plan so that you can get the help you need whether or not your insurance plan offers full coverage.
Inpatient Eating Disorder Treatment vs. Outpatient Therapy
"Although statistics reveal that the issue is most prevalent among people under the age of 30, there is a growing trend of disordered eating behavior among people — particularly women — in their middle age."
Inpatient treatment, in either a hospital or residential rehab setting, is an oft-used option available for people seeking treatment for anorexia, bulimia or other eating disorders. Many who struggle with an eating disorder may be underweight, malnourished and require hospital care in order to re-establish physical wellness. If you are one of these individuals, inpatient treatment may be a good option for you to consider. Outpatient treatment with a counselor or therapist is also frequently used for the treatment of eating disorders, either as aftercare following a hospital stay or as a stand-alone treatment. Group therapy, individual counseling sessions and family counseling are all forms of outpatient treatment that can help you with recovery if you are afflicted with an eating disorder.
Should I Choose a Residential Rehab Center?
If your eating disorder has had a severe impact on your health and nourishment, you may prefer to seek help from a residential rehab facility. In a residential rehab, you can be closely overseen by caring eating disorder specialists. You also benefit from the support of others who are also struggling with eating disorders and attempting to get their lives back.
Will HCSC Pay For Local Rehab and Out-of-State Treatment?
HCSC will generally cover any medically-necessary costs associated with treatment that is obtained from a provider who is within your plan’s network. If you are not currently in your home state but need to seek immediate treatment, review your benefits information and find out what out-of-state coverage is provided under your HCSC plan.
Does HCSC Pay for Private or Luxury Treatment?
HCSC may pay some or all of the costs associated with treatment at a private or luxury facility, as long as the facility accepts your insurance and your condition is such that an inpatient stay is necessary for you to become healthy. Luxury treatment centers offer a chance for you to seclude yourself from the temptations of the outside world while receiving treatment. They also allow you to participate in several relaxing activities such as swimming, spa treatments and other amenities.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment is a methodology which has developed in relatively recently. While traditional rehabs tend to pen you in and offer very restricted access to the world beyond their doors, executive rehab centers allow you to get the counseling you need without having to sacrifice your entire life during your stay. This form of rehabilitation was created with professionals in mind, so that they could get treatment without having to bring their work lives to a grinding halt.
What Treatment Lengths Will HCSC Pay For?
HCSC will cover inpatient stays of up to one month, so long as the treatment being provided at the facility or hospital is considered a medical necessity. Limits for outpatient therapy visits vary from plan to plan and depending on the type and severity of your eating disorder. Unfortunately, eating disorders often take far longer than a month to effectively treat, so any inpatient treatment lengths beyond 30 days may not be covered by your insurance.
What If I Have No Insurance?
If you are uninsured and desperate for help with recovering from your eating disorder, there is no need to despair. Although eating disorder treatment can be very costly — into the tens of thousands of dollars — many hospitals and treatment centers offer financing plans for their uninsured patients, so that you can pay for the costs of treatment in monthly installments rather than in one lump sum.
Using Our Helpline to Determine Your Options for Eating Disorder Rehab with HCSC Insurance
If you need help overcoming an eating disorder and aren’t sure what treatment options are covered by your insurance plan, know that you do not have to go through this difficult time alone. Call 1-888-341-7785 to speak with someone who can guide you through your options when it comes to using your HCSC insurance plan to pay for the treatment of your eating disorder.
Questions and Answers
- Will HCSC Cover Multiple Rehab Stays?
Generally, HCSC will cover only one rehab stay, lasting up to one month.
- Does Insurance Pay for Aftercare?
HCSC does pay for aftercare services such as counseling and therapy, and the prescription drug coverage they offer may also cover some or all of the costs associated with medications prescribed to you during the course of treatment.
- Could Rehab Make My Insurance Premiums Higher?
Insurance premiums rise and fall according to general trends among groups of subscribers, and do not generally increase due to a single claim being filed by an insured party.
- Has The Affordable Care Act (Obamacare) Affected Mental Health Insurance Coverage?
The Affordable Care Act has affected insurance coverage for various mental health diagnoses. Due to the Mental Health Parity and Addiction Equality Act of 2008, mental health care is now officially on par with physical health care, removing restrictions and expanding care for those in need.