What types of medical services aren’t covered by health insurance?

Category: Health

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Whether you’re already medically insured or you’re shopping around for a health insurance plan, it’s important to know what your policy does and does not cover. While it does vary by specific plan and insurance carrier, the following are some of the medical services that are usually not covered by health insurance:

Dental care

From preventative check-ups to oral surgery, dental care is usually not covered under health insurance. To have your dental health covered, you will need to buy a separate dental insurance plan. However, there are other ways you can save on dental costs, even if you don’t have dental insurance. For a flat yearly fee, you can buy a discount plan, which can be a more affordable alternative to dental insurance. Not all dentists will accept discount plans, but if you find one who does, the savings can be significant—often between 15 and 60 percent.

If you’re visiting a different dentist for the first time, you may be able to receive a free exam and/or cleaning. Many dentists offer these types of new patient specials, so call dentist offices in your area and see what they offer.

If you need more extensive dental work done and don’t have insurance or a discount plan, you may want to consider receiving treatment at a dental school. Under the supervision of licensed dentists, students need to work on actual patients as part of their studies. In exchange, you can receive steep discounts or even free dental work.

Cosmetic procedures

If you are interested in receiving any medical procedures strictly for cosmetic purposes, they won’t be covered by health insurance. Some procedures may be covered if there is a medical need behind them. For example, if you have an unsightly mole that you want removed strictly because you don’t like the way it looks, it won’t be covered. But if your doctor recommends that you remove it because he or she suspects it may be cancerous and wants it biopsied, your insurance may cover all or part of the removal cost.

Fertility treatments

Your health insurance plan may cover the cost for some (or all) of the tests needed in order to make a diagnosis. However, it is highly likely that any necessary fertility treatments would need to be paid for out-of-pocket.

Weight loss programs

Although some types of weight loss counseling may be covered by your insurance plan, other types of weight loss programs and treatments may not be covered. For instance, surgical procedures that are meant to help with weight loss are usually not covered by health insurance.

Remember, specific coverage will vary by plan. Also keep in mind that there may be a lot of other procedures and treatments that are not covered, aside from the ones mentioned above. If you have questions about a specific procedure or treatment, be sure to reach out to your insurance carrier directly to find out what your options are. If it turns out you want or need something that is not covered by your health insurance plan, ask your doctor if there are any alternative options that may be covered. Otherwise, if you must pay out-of-pocket, find out from your doctor’s office if you can work out a payment plan.

Do you need money to take care of medical expenses? Even with health insurance, certain medical expenses can easily add up. Don’t let yourself fall behind on medical bills if you’re receiving long-term payments from a structured settlement or annuity. Instead of waiting for your money to trickle in, contact Peachtree Financial Solutions. We can help put an end to the waiting game by purchasing some or all of your future payments and offering you your money sooner. Paying off large amounts of debt can be easier by receiving a lump sum payment. Contact us today to find out more and to receive your free, no-strings-attached quote.

Nothing above is meant to provide financial or tax advice. You should meet with appropriate professionals for such services.

Tags: dental expenses, medical expenses

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