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Highmark Insurance Coverage for Eating Disorders
Does Highmark Insurance Cover Treatment for Eating Disorders?
Yes, most Highmark Insurance policies offer adequate coverage for eating disorders. An eating disorder can include anorexia, bulimia and having an overeating disorder. All eating disorders are dangerous to your physical health and your emotional wellbeing. If you are struggling from an eating disorder, don’t hesitate to get treatment just because you’re worried about insurance coverage. Most Highmark Insurance for Eating Disorder Rehab policies offer adequate coverage for treatment, including different lengths of treatment and a variety of treatment centers.
Type of Rehabs Highmark Will Pay For
Since there are multiple types of rehab centers for eating disorders, Highmark insurance covers treatment at different types of rehab centers. The two main options include outpatient and inpatient treatment centers. With inpatient, you stay in a residential treatment for a specific length of time, while you stay at home and visit the rehab center on certain days with the outpatient treatment center. It also covers other types of rehab centers, such as those dedicated to luxury, executives or people who want more privacy.
How Much of the Cost of Rehab Is Covered by Highmark?
Highmark Insurance for Eating Disorder Treatment includes the cost information in the individual policies. If you take a look at your policy in the section under substance abuse coverage or treatment centers, you will know exactly how much your policy covers. While it is sometimes a set dollar amount, or even full coverage for approved facilities, covering a percentage of your treatment is most common. This means your insurance policy covers the percentage of costs as it has listed, while you pay the rest from your own funds. If you are trying to pay as little as possible, you will need to choose a low-cost facility to lower your own costs.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
There is no reason why Highmark Insurance for eating disorder rehab would not cover your treatment if you choose to get treatment above the typical coverage. You can choose what type of facility you want in most cases, so this simply means you are going to pay the difference. If you don’t mind paying more for your preferred facility that might offer luxury amenities or not be a local facility, by all means do so and agree to pay over what your insurance policy will cover.
Inpatient Addiction Treatment vs. Outpatient Therapy
“All eating disorders are dangerous to your physical health and your emotional wellbeing.”
The main difference between inpatient treatment and outpatient therapy is where you stay. When you choose an inpatient treatment center, you are staying at a residential facility for 28/30, 60 or 90 days. The facility provides you with daily counseling or therapy sessions, meals and somewhere to sleep. You will be required to take part in their different activities. This is ideal if you need to keep away from the temptations of your eating disorder, as you are watched carefully. With outpatient care, you stay at home but visit the treatment center when requested. You might go for therapy, behavioral counseling or bring your family to group counseling. You will also work closely with a nutritionist.
Should I Choose a Residential Rehab Center?
Residential rehab centers, also called inpatient rehab centers, are a great option for eating disorders. It can be hard sticking to your dietary routines and going for counseling when you are at home. This is likely the place where your triggers began. For quality treatment and long-term recovery, consider staying at an inpatient rehab facility.
Will Highmark Pay for Local Rehab and Out-of-State Treatment?
Highmark pays for various treatment rehab facilities, depending on what you need, which sometimes includes going to an out-of-state facility. If you feel more comfortable going a farther distance from home, check with your policy to find out if there are any stipulations. Most do offer this excellent coverage, but you may be paying more for other facilities.
Does Highmark Pay for Private or Luxury Treatment?
Private treatment centers allow you anonymity, private rooms and some space from other patients. Luxury treatments are often included in this, but include other amenities, like high-count sheets, gourmet meals and activities not included at a traditional facility. Choosing Highmark Insurance for eating disorder rehab often means choosing these luxury facilities, but check with your policy to make sure it is covered.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment for eating disorders is for high-powered executives that need to get treatment for their eating disorder, but also continue to work. You will be given extra amenities, such as wireless Internet access, a mobile phone or tablet or video conferencing capabilities.
What Treatment Lengths Will Highmark Pay For?
Check with your Highmark policy to find out if there are stipulations about the treatment lengths covered. Usually, it covers different lengths, like 1 month, 2 months or 3 months, depending on your needs and the type of program you choose.
What If I Have No Insurance?
Just because you do not have health insurance, does not mean you cannot get treatment for your eating disorder. Ask local rehab facilities if they have an installment program, take credit card payments or have low-cost treatment options. Most do have these additional options because they want everyone to get the help they need.
Using Our Helpline to Determine Your Highmark Rehab Options
It can be hard looking at your policy and finding out about your Highmark coverage for eating disorder rehab and treatment. Our helping is always available for you to look at the details of your policy. We are also experienced with eating disorder treatments and know about the different treatment facilities available. Call us any time you have questions or concerns.
Questions and Answers
- Will Highmark Cover Multiple Rehab Stays?
If you have left rehab but need to return for more care, you will most likely have coverage for this future stay. It might depend on the type of care already received, so check with your policy to find out for sure.
- Does Insurance Pay for Aftercare?
Yes, you can expect coverage for aftercare. Aftercare is a part of your coverage for substance abuse and mental health disorders, which includes eating disorders. It helps you get continued care and to avoid relapse.
- Could Rehab Make My Insurance Premiums Higher?
Using coverage you already have, such as going to rehab for your eating disorder, should have no negative impact on your coverage or make your premiums higher.
- Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
If you have insurance through the Affordable Care Act, you will still have adequate coverage for gambling addiction and other types of addictions or substance abuse problems.
Call us at 1-888-716-9806 to get more information about beginning your healthy and addiction-free lifestyle.