If you have an insurance policy through Assurant, it should generally cover eating disorder treatment, although what and how much is covered will vary, based on the specifics of your plan.
Before enrolling in any type of therapy or other treatment program to help with your eating disorder symptoms, it’s important to check with a representative from Assurant that the program is either in-network or otherwise covered.
Does Assurant Cover Eating Disorder Treatment?
As with most health insurance policies, Assurant should cover at least some treatments for eating disorders under its mental health benefits plan. Still, there are some limits as to what they may or may not be willing to pay for.
Most insurance companies will only cover treatment conducted by in-network doctors or programs or pay for diagnostic procedures and treatments for eating disorders that are evidence-based, or generally considered effective in the scientific and clinical community.
As with most insurance plans, Assurant will also likely require you to be officially diagnosed before being eligible for treatment coverage. It’s possible that the company may only accept a diagnosis from a physician in their network, so make sure to check on that detail before making an appointment.
In general, your treatments will also have to be deemed medically necessary in order to be eligible for coverage. But once again, you’ll need to consult with your specific plan for more details.
What Will Assurant Health Cover for Bulimia Treatment?
Thankfully, there are many evidence-based treatments for bulimia nervosa and other eating disorders, and Assurant will likely cover these, so long as a physician deems them medically necessary.
Some of the most common evidence-based treatments for eating disorders include: 
- Cognitive behavioral therapy (CBT)
- Interpersonal psychotherapy (IPT)
- Family-based therapy (FBT)
- Nutritional counseling
- Exposure therapy
Some types of medication have also been approved for treatment of BN and other eating disorders. Medication coverage will depend on the specifics of your plan, but it is also common, including for medications prescribed for co-occurring conditions or related symptoms.
Your Assurant Health plan may also cover inpatient care, though these programs often require a much higher burden of proof that they’re medically necessary, as they’re generally lengthy and very expensive. Insurance companies have been known to resist paying for residential treatment, even when both the patient and their care provider believes the treatment is important, so you may have to work with your physician to give the company what it needs to approve the program. 
What Will Assurant Health Not Cover?
In general, Assurant is likely not to cover treatments seen as experimental, or those with little clinical evidence or analysis behind them.  If there is a new treatment that your care provider feels would greatly benefit you, but it is still viewed as experimental, you may be able to appeal any rejection of coverage, though this process can be long, and its outcome isn’t guaranteed.
Assurant Health is also less likely to cover certain treatments if a cheaper alternative which could arguably provide the same level of benefit exists. The most common example of this is medications, where brand-name medications are often not covered, or covered to a lesser degree, compared to the generic versions of those same medications.
Overall, the types of treatment Assurant will not cover depend entirely on your specific insurance benefits. It’s important to consult with an Assurant representative before enrolling in any type of treatment, in order to avoid any confusion, frustration, or large out-of-pocket bills in the future.
If you find a specific provider that you want to work with, they can typically also help you determine which treatments will be covered by your insurance plan and to what degree. A treatment center may also have employees that can point you in the direction of other financial resources.
How to Start the Treatment Process Using Assurant Health Coverage
Once you have an Assurant Plan, you will need to find a mental health professional in their network who can diagnose eating disorders. This diagnosis will be used to prove which future treatments are considered medically necessary. 
Oftentimes, the health professional who helped diagnose you can help you come up with at least the basic outline of an ideal treatment plan. This could include therapies they feel might work best for your situation. They may also be able to provide some of those treatments themselves, depending on their area of expertise.
Regardless, once you have a diagnosis and a treatment plan in place, you can begin looking for in-network care providers to administer these treatments. Staying in-network is the best possible way to ensure you’ll receive maximum coverage.
Finding Treatment Centers in Assurant Health’s Network
Finding doctors and specialists within the Assurant Health network may be a tricky and nuanced process. At this time, there is no online directory of doctors within the network, so you may have to contact your insurance provider directly for more information.
Another option is looking for care providers you may want to work with and asking if they accept your specific insurance policy.
Dealing with the intricacies of insurance may be frustrating and confusing, but it’s a first step toward treatment that will potentially save you from future complications while you work on healing yourself, and it can help ensure your road to recovery is as smooth as possible.
- Kass AE, Kolko RP, & Wilfley DE. (2013). Psychological treatments for eating disorders. Current Opinion in Psychiatry; 26(6):549–555.
- Gordon D. (2021, February 26). Despite Progress, Patients Still Struggle With Insurance Coverage for Eating Disorder Treatment. Forbes. Retrieved February 2023.
- When Insurers Won’t Pay for Experimental Treatments. (2001, February 22). ABC News. Retrieved February 2023.
- Araujo M. (2022, October 6). Medically Necessary and the Effect on Insurance. The Balance. Retrieved February 2023.