Great West Insurance Rehab and Eating Disorder Coverage

The National Association of Anorexia Nervosa and Associated Disorders reports that as many as 24 million people in the United States are currently battling eating disorders. These conditions not only harm you physically, but they can dramatically affect your emotional health as well. Unfortunately, overcoming an eating disorder can be difficult without professional help.

If you are considering seeking treatment for your eating disorder and you have an insurance policy through Great West Insurance, you may be wondering what portion of your expenses will be covered by your insurance policy. To estimate your Great West Insurance Eating Disorder Coverage, consider the factors below.

Deductible

Most Great West Insurance policies come with a deductible, which is the amount you must pay for covered medical expenses during the year before your insurance policy will start paying its share. This amount varies by policy.

Copay

Certain services may require you to pay a copay, which is a predetermined fee that will be due at the time of your appointment. Your required copays will be listed on your policy documents.

Coinsurance

Another factor that may affect your Great West Insurance Eating Disorder Coverage is coinsurance. Coinsurance is your portion of covered expenses that are incurred after your deductible is met. For example, if your coinsurance amount for inpatient care is 40 percent, you will pay 40 percent of all covered expenses related to inpatient care after you have met your deductible.

Network Requirements

Most Great West Insurance plans have a preferred provider network, which is a network of doctors and healthcare facilities that you must use in order to receive the maximum possible amount of Great West Insurance Eating Disorder Coverage. If you don't use providers from within this network, your portion of treatment expenses will most likely be higher. Furthermore, if you have an HMO plan, out-of-network expenses won't be covered at all. 

Keep in mind that Great West Insurance is now a part of Cigna. However, Cigna still maintains a separate network of providers for Great West Insurance clients. Thus, it is important to make sure that you are selecting providers from the appropriate network.

Precertification

In some cases, the insurance company may require you to obtain precertification for a service you intend to receive. This means that you must obtain written permission from the insurance company before the service is performed.

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