Assurant Health Depression Treatment

Depression is a serious illness that can affect the quality of your life dramatically. If you are suffering from depression, receiving effective treatment is the best way to improve your condition. However, treatment can be costly, especially when inpatient hospital stays or long-term medication is involved. Fortunately, all Assurant Health insurance plans cover depression treatment.

Plan Options

Assurant Health offers a number of different insurance plans that vary according to their deductibles, premiums, copays, coinsurance amounts, covered services and more. However, all of these plans include coverage for depression treatment. Covered services related to depression include drug treatment, residential treatment, psychotherapy and counseling.

Understanding Your Coverage

When receiving depression treatment, the amount you will owe depends on several factors, including:

  • Treatment chosen - Some treatments are more expensive than others. For example, inpatient treatment usually costs more than outpatient depression treatment. Likewise, if your doctor prescribes medication, you will incur an ongoing expense. Although Assurant covers all of these treatments, the exact amount paid will vary.
  • Provider - Selecting the right provider is very important with Assurant Health. All Assurant Health plans feature a network of preferred providers. Choosing a provider from within this network will ensure that you receive the maximum amount of benefits possible. For example, if you need inpatient treatment, choosing from the list of Assurant Health Depression Treatment Centers is highly recommended.
  • Deductible - Before Assurant will begin covering your expenses, you must meet your deductible. The higher your deductible, the more you can expect to pay for treatment.
  • Copay/Coinsurance - Assurant requires insured individuals to pay copays and/or coinsurance for some services. If your plan includes copays and/or coinsurance for depression treatment, these requirements will affect your overall liability for treatment.

Locating Assurant Health Depression Treatment Centers

Choosing the right treatment center is very important if you are insured by Assurant Health. To find a list of approved Assurant Health Depression Treatment Centers, consult the company's website or call your insurance agent. Keep in mind that, even if you have chosen an appropriate provider, you may still need to contact Assurant Health to receive preauthorization for your treatment services. Otherwise, your plan may not cover the associated expenses. If you have any additional questions about your coverage, contact Assurant Health directly.

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