Blue Cross and Blue Shield Association Rehab and Eating Disorder Coverage
When an individual fixates on food in unhealthy ways, it impacts physical and emotional health and well-being. According to the National Eating Disorders Association, treating the behavior offers an opportunity to start engaging in healthy behaviors that allow individuals to eat nutritionally balanced meals. The Blue Cross and Blue Shield Association eating disorder coverage assists with the cost of treatment.
Basic Coverage in Policies
Every policy varies, so the specific coverage for behavioral health concerns like eating disorders will depend on several factors. In general, Blue Cross and Blue Shield coverage on most policies will provide options for out-patient treatment and programs.
Residential coverage depends on the specific policy. For example, a basic policy may offer some coverage, but it will usually have a higher co-payment for residential care when compared to more comprehensive policy options. The specific details determine the exact coverage amount and the co-payment that the insurance company requires for residential care.
Long-Term Treatment
In general, the Blue Cross and Blue Shield Association eating disorder coverage will cover up to 12 out-patient therapy sessions for any behavioral health concerns, including eating disorders. Due to the dangers associated with eating disorders, the policy will allow additional care if a medical doctor recommends further treatment.
Before starting treatment, individuals must discuss their health concerns with a medical professional and provide documentation that he or she will benefit from treatment in a residential program. Generally, Blue Cross and Blue Shield Association eating disorder coverage will pay for residential or long-term treatment, but specific steps help reduce the risk of denial for treatment. Following a pre-certification process includes:
- A recommendation from a medical professional
- An eating disorder that presents severe symptoms
- Proof that treatment will help with recovery
While some basic policies may set a limit on the duration of treatment, most Blue Cross and Blue Shield plans allow long-term residential treatment as long as it is improving the individual’s health and the individual complies with case assessments throughout the treatment program.
Behavioral health concerns like eating disorders require treatment, but the best program depends on the specific needs of each individual. Since the insurance provider does offer coverage for out-patient and residential care, individuals can focus on recovery goals and start improving their overall well-being without worrying about the financial costs. Co-payments and specific coverage details will vary slightly based on the specific policy.