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UnitedHealth Insurance Coverage for Eating Disorders
(Please note: Rehabs.com strives to provide you with the most updated information on each carriers’ addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by UnitedHealth.)
Does UnitedHealth Insurance Cover Treatment for Eating Disorders?
UnitedHealth Insurance covers treatment for eating disorders. UnitedHealth is dedicated to offering insurance for patients suffering from substance abuse and mental illness and has one of the more comprehensive insurance offerings on the market. UnitedHealth offers several plans, all of which cover eating disorders and several other disorders that can require stays in a rehabilitation facility. Mental health issues are prevalent with patients suffering from eating disorders, as 50 percent of those suffering from anorexia or bulimia also suffer from depression. Other dangerous eating disorders, such as Binge Eating Disorder, affect up to 25 million people in the US alone.
Type of Rehabs UnitedHealth Insurance Will Pay For
UnitedHealth Insurance will pay for inpatient rehab, outpatient rehab, aftercare and at home care. Depending on the mental illness or substance issue, the type of necessary rehab can vary. Most patients choose from either inpatient rehab or outpatient rehab, based on their own needs and personal preference. UnitedHealth does not pressure patients to choose a particular type of rehab and allows patients to make the choice that best suits their needs. UnitedHealth Insurance for Eating Disorder Rehab is comprehensive in most cases.
How Much of the Cost of Rehab Is Covered by UnitedHealth Insurance?
Patients covered by UnitedHealth must first meet their deductible before coinsurance begins. The deductible can be as high as $5,500 per person with the Bronze Copay Select Plan and as low as $750 per person with the Platinum Copay Select Plan. After the deductible has been met, treatment is paid by coinsurance. With the Bronze Copay Select Plan, patients pay 20 percent while UnitedHealth pays 80 percent. With the Platinum Copay Select Plan, patients pay 10 percent while UnitedHealth pays 90 percent. Typically, the lower the coinsurance and deductible, the higher the monthly premium for UnitedHealth Insurance for Eating Disorder Rehab.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
Patients can always pay above what UnitedHealth will cover, if they so choose. The choice to pay over what is covered is a personal decision. UnitedHealth specifically outlines what is covered (and how much) in the description of each individual, family and employer insurance plan. UnitedHealth Insurance for Eating Disorder Treatment allows you to choose if you’d like to pay above without repercussions.
Inpatient Addiction Treatment vs. Outpatient Therapy
“Mental health issues are prevalent with patients suffering from eating disorders, as 50 percent of those suffering from anorexia or bulimia also suffer from depression.”
UnitedHealth Insurance for Eating Disorder Treatment typically involves rehab. Inpatient rehab involves substance abuse or mental illness treatment at a facility for a specific time period. Usually, this time period is between 30 and 90 days, where patients stay around the clock and are treated 24/7. Typically, stronger substance abuse and mental health issues are treated at inpatient facilities. Outpatient programs require patients to meet with medical professionals each day for a set period of time, but patients do not stay overnight as like inpatient programs.
Should I Choose a Residential Rehab Center?
Selecting a Residential Rehab Facility, or an inpatient facility, is a personal decision. Typically, inpatient rehab facilities limit distractions and help keep patients on track. However, inpatient facilities can limit communication with the outside world, and that can be tough on some patients. For patients with stronger substance abuse and mental health issues, inpatient rehab is recommended.
Will UnitedHealth Insurance Pay for Local Rehab and Out of State Treatment?
Yes, UnitedHealth will pay for local rehab and out of state treatment, although rates may differ for out of state rehab facilities. Patients can refer to each specific UnitedHealth insurance plan for the particular deductible and coinsurance information.
Does UnitedHealth Insurance Pay for Private or Luxury Treatment?
Yes, in certain cases. Patients will have to check and make sure that the facility in question accepts UnitedHealth Insurance. Not all private or luxury care treatment facilities accept UnitedHealth, so it is important that patients do their diligence before they begin treatment.
What Does Executive Treatment Offer Over Other Rehabs?
Executive Treatment Centers allow patients communication with the outside world that is typically not available at inpatient facilities. Inpatient facilities restrict the communications of their patients. Executive Treatment Centers allow patients access to cell phones, laptops and tablets in order to continue working. The lack of work interruption during Executive Treatment Center stays can make the program attractive to professionals.
What Treatment Lengths Will UnitedHealth Insurance Pay For?
UnitedHealth will cover any rehabilitation stay, up to a limit of 60 days per calendar year. Patients can complete the 60 days in any order, meaning a patient could stay at a facility for 30 days one month and have another stay several months later, with both stays being covered under UnitedHealth. For most patients with mental illnesses or substance abuse issues, a 60-day stay is sufficient to meet their rehabilitation needs, under UnitedHealth Coverage for Eating Disorder Rehab. The typical length of rehabilitation stays can be viewed below:
- 28-30 Day Residential Program (1 Month)
- 60 Day Residential Program (2 Months)
- 90 Day Residential Program (3 Months)
What If I Have No Insurance?
Patients without insurance will be required to cover the cost of a rehabilitation stay. Most rehab programs do not require patients to cover their full cost all at once. Most rehab programs offer payment plans, and patients can enter into a program and pay the cost over several months.
Using Our Helpline to Determine Your UnitedHealth Insurance Rehab Options
If you are having issues with Anorexia or Bulimia, please give us a call at 1-888-716-9806. We’re here for you, and we want you to find the best rehab program for your needs. It’s never too late to get started, and we want to help you get back on track to getting your life back. Give us a call now to get help!
Questions and Answers
Will UnitedHealth Insurance Cover Multiple Rehab Stays?
Yes, UnitedHealth Insurance covers multiple rehab stays, as long as the days treated in a rehabilitation facility do not exceed 60 days.
Does Insurance Pay for Aftercare?
Yes, UnitedHealth Insurance pays for aftercare as well as at home care.
Could Rehab Make My Insurance Premiums Higher?
No, under the Affordable Care Act, insurance premiums cannot be made higher due to a rehab stay.
Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
The Affordable Care Act helps those suffering from substance abuse and mental health problems in several ways. The law stops insurance companies from denying coverage to those with pre-existing conditions, or dropping coverage when patients treat a substance abuse or mental health problem. The law also regularizes substance abuse and mental health treatment costs, bringing them in line with traditional medical costs.