Most people believe that their health insurance in whole or in part, at least for all your needs of medical facilities. Unfortunately, the small print in the policy include a list of exclusions - items that are specifically not covered - you should know.
General exceptions
Exclusions of elective surgery (eg, LASIK and cosmetic surgery) coverage for certain diseases, long-term care. Here are some common exclusions:
Existing conditions. This is one of the most common insurance exceptions, and this applies to all public, you can get medical care before the first day of coverage under the new plan. One of the ways of their new insurance coverage for them, if you have - if the company where I had the advantage of documentation with proof of coverage "certificate. In some cases, pre-existing conditions accepted, but only after a waiting period of up to one year.
Elective surgery. The operation includes everything on the one hand, on the back of the gang of weight loss surgery, and almost never There are several exceptions. Breast reconstruction after mastectomy is usually, but you and your doctor can fight for it. Breast reduction surgery is often the case when it is necessary to alleviate severe back pain, but only when other procedures have been tried. Bariatric surgery (for weight) are generally excluded, but if your doctor can be a history of dietary recommendations and actions, and you are morbidly obese, you can often. LASIK, usually not covered by insurance, but the vision of the insurance to pay some of, if not in a position to make their vision corrected through conventional means.
The hospital is located. Time in hospital was built in your insurance policy, but certain features of convenience, as with the phone in the room or on television, are often excluded. General hospitals, the prices are very high, so that you are familiar with your insurance company before you
AIDS and Health Houses Private Duty Nursing. They are usually not considered. Centers for Disease Control, more than 1.4 million patients use health care at home, with an average duration of treatment for 60 days. These costs can grow very quickly, so that further study options - Hospice care and other social organizations.
Learning disabilities and behavioral disorders. Because they are often used in mental health problems, as well as health conditions, such as dyslexia and ADHD, lifelong treatment is often not covered by health insurance, although the information in medical databases, the situation is changing. Many steps are now all drugs in these conditions, if no alternative methods of treatment.
Alternative Therapies. Insurance companies use Western-style medicine - doctors and pills - and often no alternative methods, including chiropractic treatment, acupuncture, acupressure, and biological - even if these procedures are in addition to traditional methods.
Dental care and vision. Most insurance companies offer no vision or dental care, and most companies offer benefits to individual plans for dental and vision, but if the problem or dental vision as a result of an accident or other medical problems, your health insurance can be.
If this list of exceptions, you may ask why you are insured, the view that insurance is not for Preventive Medicine, treatment of diseases and general health and a doctor regularly will help you stay healthy, he will never save enough.
You must also send a file box on their policies because they know what is and what is not, which is often more important than the range, and there are ways to offset the costs associated with the procedure as a flexible spending account or insurance policy life.
Turn Me Out - general insurance exclusions
Labels: Insurance