PHX (Premier Healthcare Exchange) Rehab and Eating Disorder Coverage
Eating disorders affect your life in many ways. These disorders can impact your health dramatically, leading to death in the worst cases. They may also affect your social life, professional life and mental health. If you are dealing with an eating disorder, you need to seek treatment at a rehab center as soon as possible for the sake of your health and your future. Fortunately, inpatient eating disorder rehab programs are available all across the country.
Understanding Eating Disorder Treatment
Unlike other addictions or mental health conditions, eating disorder treatment doesn’t usually involve detox. Instead, you progress directly into a rehab setting where doctors help you learn to manage this illness. Because of the pervasive health-related effects of eating disorders, rehab programs for eating disorders will also address your physical condition.
PHX and Rehab
Premier Healthcare Exchange, or PHX is a company that provides various services to health insurance companies. PHX does not work directly with the public. If your insurer is affiliated with PHX, you may notice a difference in the way your claims are processed. However, an affiliation with PHX should not affect your insurance benefits or coverage with regard to eating disorder rehab.
Estimating Your Expenses
If you are planning to enter rehab treatment to address an eating disorder, consider each of the following factors as you estimate your expenses.
Your insurer won’t begin paying any of your rehab expenses until you satisfy your deductible for the year. Keep in mind that if you have already made some payments toward healthcare during the year, you may not need to pay as much for rehab before your benefits begin.
Depending on the type of rehab treatment you receive, you may need to make a copayment at the time of service.
Some services require you to pay coinsurance, which is expressed as a percentage of the bill you receive.
4. Precertification Requirements
Some types of rehab may require precertification, which is express permission from the insurance company. If you don’t obtain precertification when it is required, your rehab expenses may not be covered at all.
5. Network Requirements
In order to maximize the coverage you receive, you must choose a rehab facility from within your insurer’s preferred provider network. Rehab facilities outside of the network may receive less coverage or no coverage at all, depending on your insurer’s policies.