According to the National Association of Anorexia Nervosa and Associated Disorders, as many as 24 million men and women in the United States suffer from eating disorders. These conditions can lead to poor nutrition, social issues and many other complications. You can overcome an eating disorder with the proper treatment, but treatment can be costly. Fortunately, if you have an insurance policy from Community Health Choice, some of your expenses may be covered.
Understanding Your Community Health Drug Choice Eating Disorder Coverage
Community Health Choice offers several different types of policies. As a member, you may be covered by:
- A Marketplace Plan – Marketplace insurance policies come in a number of different structures, including HMO and PPO plans. Most of these plans include a deductible, as well as copay and coinsurance requirements. All marketplace plans cover eating disorder treatment, but you may be required to pay a portion of your expenses.
- Texas STAR Program – The Texas STAR program provides Medicaid to families with low incomes. If you have coverage under this program, you may not be required to pay any of your eating disorder treatment expenses.
- Texas CHIP Plan – The Texas CHIP program provides coverage for children whose families earn too much to qualify for the Texas STAR Program. Under this policy, eating disorder treatment will be covered, but you may be required to pay a copay for the services you receive.
Estimating Your Expenses
In order to determine how much you will pay for your eating disorder treatment, you need to consider the specifics of your policy, as well as the type of treatment you need. Issues to consider include:
- Deductible – If your policy includes a deductible, you will need to pay at least this amount toward your medical expenses during the year before your Community Health Drug Choice Eating Disorder Coverage will take effect.
- Coinsurance amount – After your deductible is met, coinsurance requirements will determine how much more you need to pay for treatment.
- Type of treatment – The type of treatment your doctor prescribes will also have an effect on your expenses. Some treatments cost more than others. In addition, the terms of your Community Health Drug Choice Eating Disorder Coverage may vary for different types of treatment.
Insurance policies can vary considerably from one plan to another. Before you begin a treatment program, consult your plan documents or contact Community Health Choice to determine how much you will be required to pay.