UMR Rehab and Eating Disorder Coverage
Eating disorders refer to any unhealthy and abnormal eating habit. Although it does not always refer to anorexia nervosa or bulimia, it always has negative consequences on an individual’s health and emotional well-being. According to the National Eating Disorders Association, abnormal eating habits like starving the body or binge eating unhealthy food items ultimately leads to abnormal heart rate, changes to blood pressure, inflammation, weakness and damage to internal organs. Fortunately, UMR eating disorder coverage helps you or dependent family members make positive changes and start improving personal eating habits.
Coverage for Eating Disorders
The UMR eating disorder coverage on your policy depends on the specific plan you purchased and the details of your policy. In general, your policy will cover behavioral health concerns like eating disorders and any related mental health problems associated with the eating disorder. The exact amount of coverage, your co-insurance rates and your co-payments will vary based on your policy.
Expect your UMR eating disorder coverage to pay a larger portion of in-network treatment programs than it pays for out-of-network facilities. In most cases, you policy will help pay for the costs of in-patient treatments as long as you comply with any pre-certification requirements or referral standards listed in your policy. Make sure that you ask a doctor to provide appropriate referrals if your policy requires the information.
Seeking Treatment
Eating disorders impact your health in a negative way, so you need to seek appropriate treatment as soon as you notice health concerns or that you have inappropriate eating behaviors. Since most policies from UMR offer coverage for mental health and behavioral health concerns, it allows you to seek treatment when an eating disorder interrupts your lifestyle and family relationships.
Considerations for a treatment program include:
- Limitations or requirements in your policy
- The treatment provider or facility
- Your current health
- Medical treatments the program offers
- In-patient programs
- Out-patient programs
- Your family and your goals
Seek treatment from a program that complies with the UMR eating disorder coverage in your policy. Do not assume that your policy covers the entire cost of your treatment until you read the plan and evaluate the details of the policy.
An eating disorder raises concerns about your physical health and your emotional well-being. The UMR eating disorder coverage on your policy allows you to focus on long-term goals and start making positive changes. Eating an unhealthy diet or refusing to eat meals due to fears about your body only harms your health. Make positive changes by seeking treatment when you notice unhealthy eating habits or a dependent loved one shows signs of an eating disorder.