Does insurance cover eating disorder treatment?
The short answer is “YES, and” let’s explore the nuanced landscape of insurance coverage for eating disorder treatment. Understanding the intricacies of insurance policies can be daunting, but it's crucial for accessing the best and most accessible resources tailored to your needs.
Firstly, it's important to know that many insurance plans do cover some form of treatment for eating disorders. However, the extent of coverage can vary widely depending on factors such as your specific plan, the type of treatment required, and whether the provider is in-network or out-of-network.
Typically, insurance coverage for eating disorder treatment may include services such as outpatient therapy, nutritional counseling, medication management, and inpatient or residential treatment programs.
However, navigating insurance policies can be challenging, and it's not uncommon to encounter obstacles such as preauthorization requirements, limited coverage for certain types of treatment, or high, out-of-pocket costs.
Navigating Insurance Coverage for Eating Disorder treatment
To make the most of your insurance coverage, consider taking the following steps:
Review your insurance policy: Familiarize yourself with the details of your plan, including coverage limits, deductibles, copayments, and any exclusions related to mental health or eating disorder treatment.
Contact your insurance provider: Reach out to your insurance company to verify your coverage and clarify any questions or concerns you may have. (Look for the number on the back of your card). Ask about in-network providers, coverage for specific types of treatment, and any requirements for reauthorization. Write down your representative’s name, the date you discussed insurance benefits, and case number, if given one.
Seek out in-network providers: Whenever possible, choose healthcare providers who are in-network with your insurance plan. This can help minimize out-of-pocket costs and streamline the billing process. At Side by Side, we’re in network with Blue Cross-Blue Shield, Anthem, Regence, United Healthcare, Optum, Aetna, and Cigna.
Explore alternative options: If you are struggling with an eating disorder, you need care. If your insurance coverage is limited or insufficient, consider exploring alternative resources such as sliding scale fees, nonprofit organizations, or scholarship programs for eating disorder treatment. At Side by Side, we offer a limited number of sliding scale slots for folxs on Medicaid and folx experiencing financial hardship.
Appeal denied claims: If a claim for treatment is denied by your insurance company, you have the right to appeal the decision. Gather any necessary documentation, such as medical records or provider notes, and follow the appeals process outlined by your insurance provider.
Remember, you're not alone in navigating the complexities of insurance coverage for eating disorder treatment. Reach out to trusted healthcare professionals, support groups, or advocacy organizations for guidance and assistance. With persistence and advocacy, you can access the care and support you need to embark on the path to recovery.
Eating Disorder Treatment Scholarships and Financial Support:
EDRS Treatment Assistance
Side By Side Nutrition believes in accessible care for all and does all we can to ensure coverage.
95% of our clients are covered for nutrition services through their insurance, with no out-of-pocket costs. This includes telehealth nutrition counseling.
If you are at risk for, or struggling with, chronic disease, disordered eating, or an eating disorder, you now have access to affordable medical nutrition therapy and treatment. We are in-network with many insurance plans.