It’s great to have medical insurance.
Whether it’s provided by your employer or you’ve taken out your own private policy, you can rest assured that you and your family are covered.
But it’s not always as simple as that. Some conditions are not covered by every medical insurance policy. Here are the conditions that you should look into on your own policy, to make sure you’ve got the protection you need.
1. Certain Cancer Treatments
Treatment caps can limit what your insurance policy will actually pay out in the event of you, or whoever else is on the policy, developing certain illnesses.
Cancer treatments can often fall foul of this clause due to their high cost and the long duration of therapy.
It’s difficult to tell what you may need in the future, but it’s good advice to get a policy with the highest possible cap you can afford, to guard yourself against situations like these.
2. Experimental Or New Treatments
When it comes down to it, medical insurance is no different from any other kind of coverage. They have actuarial departments working out the most cost-effective ways to operate.
A part of that process is looking at how ‘reasonable’ or ‘necessary each treatment or procedure is. They look at things like the chance of success – they want to know the risks.
If you are unsure about whether a treatment is covered or not, according to themedicarestore.net it’s best to check with your medical insurance agent and they can advise you on what course of action to take.
3. Many Types Of Cosmetic Work (Including Dentistry)
Generally, it’s cosmetic procedures that are most likely to be rejected by a medical insurance provider.
It’s easy to argue that they are ‘non-essential’, unless your policy explicitly states otherwise.
One possible exception might be the aftermath of a traumatic accident or injury – reconstructive plastic surgery could be considered essential to that individual’s recovery.
4. Laser Eye Surgery
Although it can remedy many conditions – short and long sightedness included – laser eye surgery is not usually covered by your medical insurance policy.
This relates back to the issue with experimental treatment. The insurance companies are trying to be as cost-effective as possible and with cheaper solutions like glasses or contact lenses available, laser eye surgery is usually a no-go.
