Health insurance is a great way to ensure that you have access to the medical care you need. But it's essential to understand what is and isn't included in your health benefit plan. Generally, health insurance covers most doctor and hospital visits, prescription drugs, wellness care, and medical devices. However, there are some treatments and services that are not typically covered by health insurance.
These include elective or cosmetic procedures, beauty treatments, the use of unauthorized medications, or entirely new technologies. Additionally, dental services for adults are generally not covered by health insurance. Eye services are usually covered, but not discounted eyeglasses, contact lenses, or eye exams. Hearing aids may be covered in some states, but most plans do not cover them.
When it comes to prescription drugs, health insurers don't have to pay for all medications. They include drugs covered in what is called a formulary. If your medication isn't on that list, it probably isn't covered. Additionally, if a medication is designed for one use and your doctor has prescribed it for another use, your insurer may refuse to pay for the use not indicated on the label.
Alternative therapies such as acupuncture are generally considered non-traditional or experimental and may not be covered by health plans. If your insurer says your therapy is experimental, you can appeal and try to get it covered. You can also search for health-related discounts on certain services on online coupon sites.