Does Health Net Insurance Cover Treatment for Eating Disorders?
If you are suffering from an eating disorder, you should get treatment as soon as possible. With Health Net, you have multiple options for getting adequate treatment at a nearby or long-distance facility. Its policies cover mental health, which is what an eating disorder is classified under. You will be able to choose the type of treatment facility you prefer, from outpatient to inpatient treatment centers. Read through your insurance policy to get more information on the coverage available.
Type of Rehabs Health Net Will Pay For
For eating disorders, you have a variety of treatment facilities covered by Health Net. Many Health Net policies let you choose from any treatment facility you want, and you simply get a percentage or set amount of the rehab costs covered. You may stay in a residential treatment center, also called inpatient treatment, or choose an outpatient treatment center for more flexibility. Most people do attend inpatient treatment for eating disorders because it allows you to avoid your common triggers, but this is optional.
How Much of the Cost of Rehab Is Covered by Health Net
As you begin looking at different treatment facilities for eating disorder rehab, you will notice that the costs vary quite a bit. Some programs are very inexpensive, while others charge daily, weekly or monthly amounts. Luxury and private rehab centers are going to be the most expensive, because they offer extra services. Health Net policies may cover a percentage of your treatment costs, or a set dollar amount. How much is covered can only be determined by your individual policy.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
Yes, you can pay more than what is covered by your Health Net insurance policy. Since everyone has different situations, preferences and addictions, Health Net is willing to work with you. Most policies pay a certain set amount or a percentage of treatment costs, which gives you some freedom in choosing your treatment facility. If they pay a certain dollar amount a month, and your treatment is $300 more than that amount, you can still choose that treatment, but will be responsible for the remaining $300.
Inpatient Addiction Treatment vs. Outpatient Therapy
"With Health Net, you have multiple options for getting adequate treatment at a nearby or long-distance facility. Its policies cover mental health, which is what an eating disorder is classified under."
The main difference between inpatient and outpatient treatment for eating disorders is that with inpatient, you stay in the facility, and with outpatient, you are free to stay at home. Inpatient treatment centers, also called residential rehab centers, have you stay in their facility for 30, 60 or 90 days. You will stay with others who suffer the same afflictions and are getting treatment. The facility provides everything you need, from a bed and room to sleep in to serving you meals each day. If you want to be at home, you can choose outpatient therapy, where you will meet with your counselor at the facility and attend support groups.
Should I Choose a Residential Rehab Center?
Whether or not you choose a residential rehab center is entirely up to you. It really depends on the kind of support you have at home and what your willpower is like. If you don’t think you can control your eating disorder habits and you live alone, it is probably better that you choose a residential rehab center.
Will Health Net Pay for Local Rehab and Out-of-State Treatment?
Health Net is good about covering a wide range of treatment options for eating disorders, and not just in-network facilities in your hometown. If there is a long-distance rehab center in another country or even state, it will likely cover a portion of the costs. If it is out-of-state and still in its network of approved facilities, you should get the same coverage as one that is local. On the other hand, if it is not in their network, Health Net might still cover costs, but not as much as if you attended a local facility.
Does Health Net Pay for Private or Luxury Treatment?
Many people choose to get their eating disorder treatment from a place that is a little more private. These facilities offer private rooms and often include exclusive features not found at other residential treatment centers. Not only is your information confidential, but these facilities can keep you in more private areas, where other patients don’t know you are there. This is often used by celebrities and political figures, but anyone can pay extra for more private or comfortable treatment accommodations.
What Does Executive Treatment Offer Over Other Rehabs?
Just because you need to stay in a residential treatment center for your eating disorder doesn’t mean you have to lose your job. There are executive treatment centers covered by Health Net that provide you with what you need, from Internet access to laptop computers. This allows you to keep up with your high-powered job and still recover from your illness.
What Treatment Lengths Will Health Net Pay For?
If you don’t already know, there are different treatment lengths to choose from when you join an inpatient eating disorder rehab facility. If you are fairly new to your eating disorder, going for 30 days might be sufficient. However, if you have had the eating disorder for a while or if you are also getting help with other mental or substance abuse problems, you might need to stay for 2 or 3 months. These longer stays are also covered by your Health Net coverage, but you need to look at your policy to get the exact details. If it covers a percentage, then naturally longer stays are going to cost you more out-of-pocket.
What If I Have No Insurance?
If you don’t have insurance, but need to visit a local eating disorder rehab center, don’t worry too much about it. You deserve to get treatment, even if you don’t have insurance. Many rehabilitation centers provide excellent resources to those without insurance. You can pay with a credit card, join an individual center’s payment installment program or inquire about low-cost treatments.
Using Our Helpline to Determine Your Health Net Rehab Options
We have a helpline that you can call at any time and discuss your eating disorder rehab options. Insurance policies often use wording and phrasing that makes it difficult to determine exactly what is covered and how much. We can help you get through the policy and let you know what treatment options are available for an eating disorder.
Questions and Answers
- Will Health Net Cover Multiple Rehab Stays?
Check with your individual policy to find out how many multiple rehab stays Health Net will cover for eating disorder rehab. In most cases, you will have excellent coverage for this type of recovery, which includes multiple treatments for some individuals.
- Does Insurance Pay for Aftercare?
Yes, aftercare is part of your treatment program. Recovering from an eating disorder does not end when you leave the treatment facility. Aftercare involves support groups, counseling, and helping you avoid your common triggers. Most Health Net policies offer extended coverage for aftercare.
- Could Rehab Make My Insurance Premiums Higher?
No, you do not need to worry about your insurance premium being higher due to using your coverage for eating disorder rehab. This is a part of your insurance coverage, so it should not affect future premiums.
- Has The Affordable Care Act (Obamacare) Affected Eating Disorder and Mental Health Insurance Coverage?
Obamacare is in place to provide health insurance to those that need it. It has had a positive effect in helping others get treatment for eating disorder rehab.
Call our helpline at 1-888-341-7785 to learn more about your treatment options and find a local eating disorder rehab center.