PHX (Premier Healthcare Exchange) Rehab and Sex Addiction Coverage
Sex addiction is a difficult and embarrassing condition to face. Not only does this condition affect your social standing and mental health, but it can present physical risks as well. Overcoming sexual addiction on your own can be challenging. Fortunately, you can get the help you need to deal with this illness by enrolling in an inpatient or outpatient rehab program.
Because rehab can be expensive, most patients rely on their insurance policies to help them cover the associated expenses. If your insurer is affiliated with Premier Healthcare Exchange, review the information below to determine how much your rehab will cost.
About Premier Healthcare Exchange
Premier Healthcare Exchange is a healthcare company that works directly with insurance providers in order to help them reduce their costs. Premier Healthcare Exchange offers a variety of services to its clients, including payment processing and claims management. If your insurer works with Premier Healthcare Exchange, it should not affect any of the coverage or benefits you receive. Likewise, as a consumer, you should not have to deal directly with Premier Healthcare Exchange when you go to rehab, even if your insurer utilizes this company’s services.
Estimating Your Treatment Expenses
Your insurer’s affiliation with Premier Healthcare Exchange should not affect the cost of your detox or rehab program. However, other insurance-related factors can affect these expenses. Some of the issues to consider as you estimate your out-of-pocket costs for rehab include:
1. The facility’s pricing structure.
Different detox and rehab facilities may charge different fees for the same treatment services. Be sure to compare these fees before you select a rehab facility.
2. How much you have already spent on healthcare this year.
Most insurance policies include a deductible, which is the amount you must pay toward covered services before your insurer will begin to cover its portion of the cost.
3. Your health insurance policy’s terms.
Most health insurance policies include coinsurance requirements, as well as a deductible. Your coinsurance requirements will determine how much you must pay toward detox and rehab expenses after you have met your policy’s deductible.
4. Your insurer’s preferred provider network.
Most insurers require you to choose providers from within a preferred provider network in order to maximize your coverage. In many cases, services rendered by providers from outside this network will not be covered at all. Thus, when choosing a detox or rehab facility, it is important to verify that the rehab facility you choose is in your insurer’s network.