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Strategies for Finding United Health Care Insurance that Covers Eating Disorder Programs

Many treatment programs for eating disorders like anorexia, bulimia, and obesity are costly, so having adequate health insurance coverage is important. Here are some strategies for finding adequate UnitedHealthcare insurance that covers eating disorder treatment.

  1. Finding Eating Disorder Programs

    • Conduct an Internet search to find eating disorder programs and see what types of insurance they accept. Locating eating disorder programs that accept UnitedHealthcare insurance ensures that the program will be covered at least in part by your policy. If you do not have UnitedHealthcare insurance yet, you might opt for the short-term medical coverage the company offers to help you cover medical expenses while you are in transition from a different insurer.

    Decide What Plan to Choose

    • The plan you choose when opting for UnitedHealthcare will make all the difference in the world when it comes to covering eating disorder programs. You have several plan options available, including the high-deductible plan and the copay plan. Understanding the difference between the two is important when choosing the plan for your coverage needs.

    High-Deductible UnitedHealthcare Insurance Plans

    • A high-deductible UnitedHealthcare plan requires you to pay more money up front for medical bills and programs; once you meet the set deductible each calendar year, the insurance company will cover all qualified medical expenses as defined by the policy. The latter statement is important, as you will need to know if the eating disorder program qualifies as an eligible expense for coverage. This type of program is ideal if it covers eating disorder programs and other important health issues, and if you desire a lower premium for insurance. You will need to budget accordingly for the higher deductible. You should carefully consider this idea, because an eating disorder program can be expensive and your initial out-of-pocket expense may be high.

    Copay UnitedHealthcare Insurance Plans

    • With a UnitedHealthcare plan, you are responsible for paying a set fee, which is established by a schedule for regular doctor's visits as well as for preventive care. This type of policy is often accompanied by a prescription plan and certain hospitalization needs. With a copay plan, however, your monthly premiums will be considerably higher than those associated with the high-deductible plan. Again, you will need to be clear about inclusions and exclusions in the policy before you invest in it, and you should talk to a representative to see if eating disorder programs are covered.

    Contacting UnitedHealthcare

    • You should contact UnitedHealthcare to speak with a representative about the policies offered, what is covered, and what exclusions are not covered in each policy before you choose a plan. You can ask the representative directly if eating disorder programs are covered and if so, to what degree. You can contact the company directly at 888-545-5205, and a representative will provide you with the information you seek as well as different quotes for different policies.

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