When purchasing health insurance, many people think about what it will do for them. That is, you want to know which services and care levels it will provide. That's a good first step, but it is also important to look at these policies in terms of what level of exclusions are present. Exclusions are specific components of the policy that are not covered. The insurance provider specifically states that these types of incidents or claims are not covered. This can differ from one policy to the next, but there are some common exclusions found on most health insurance plans.
What's Not Covered?
Take a look at the following exclusions commonly found on health insurance plans. First, realize that you can find insurance plans that may help cover some of these needs. But don't assume your current plan offers them.
- Cosmetic surgeries: Surgical procedures that are not considered necessary to maintain health and wellness, but rather done for cosmetic, or appearance reasons.
- Fertility treatments: The types of exclusions will vary significantly here. However, things like donor egg retrieval are not often covered. Protecting stem cells or umbilical cords after birth are also not often covered. Other services not often covered include artificial insemination and advanced procedures such as GIFT, ICSI, IVF and ZIFT.
- Home births: Most insurance policies will provide coverage for the birth of your child, but this is often only covered in hospitals or other recognized locations, and for doctors or others that are specifically recognized.
- International travel: Policies here are also very different. If you are traveling outside of the country frequently, look for exclusions. These may include exclusions for immunizations required for international travel, emergency medical costs outside of the country and doctor care internationally.
- Weight loss surgery: In some cases, your insurance provider may help cover these costs, but it is becoming less common. It may be listed as an exclusion unless very specific medical needs are presented.
Exclusions do not mean you cannot get the care you want. However, they may not cover emergencies that arise from these instances as well. That's why it is important for you to choose a health insurance policy that meets your specific goals based on your needs. Read through your health insurance plan clearly before agreeing to it.
Still have questions? Call Salzberg Insurance Agency at (877) 757-6081 for more information on Norfolk health insurance.