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eLearning Series:
Your Most Popular Insurance Questions
Answers For Health and Home
Insurance
( 50 articles
in this series )
Health Insurance
Exclusions:
“That’s Not Covered?”
Am I covered on my health plan? Does This
Mean I’m paying premiums for nothing? Common exclusions vary
from insurance carriers and what one may cover the others may
not. Getting to know what the common lists are is half the
battle and will help you make some important decisions about
your health care needs. Let’s take a look at the most common
exclusions.
One
of the most common exclusions is home care or private nursing. A lot of people don’t realize that these two things
are not covered. Patients sometimes take these for granted
as covered under their health care program even though most
of the time they’re not. Another good thing to remember is
that these two exclusions could be listed under something else
and you might not see them right away. If you can’t find them,
it’s always good to ask.
Behavioral
problems are sometimes covered under health care
programs, but most of the time they are not. Many reasons for
this as behavioral problems can last for many years and the
cost could bankrupt most insurance companies. Behavioral or
learning problems are one of the most common health care problems
especially in children and people are just realizing this.
Health care companies are now realizing this and some companies
are covering it but for the most part it’s excluded.
Abortions
are one of the hottest and more conversional subjects people talk about in today’s society. Elective abortions are
also excluded from health care insurance. With all the legal
issues that can be involved with abortions you really can’t
blame the health care companies for that stance. Excluding
elective abortions is a natural reaction.
There are some very common items too that you think would
be covered but just aren’t. Band Aids, telephones,
and some comfort items that aren’t covered. You would think items that
you would use all the time may be covered but they are not.
Each company has their own list when it comes to the common
items so you would have to check with the individual company.
Dental
Care and Hearing/Vision care are another section of
general health care insurance that isn’t covered. For the most
part these items are not covered as there is usually separate
insurance for these items. Putting all this on one policy would
make the policy quite expensive so excluding this makes good
business sense for the health care industry.
Cosmetic
surgery is another excluded item and it should be
noted that circumcision is now considered cosmetic surgery
under most health care plans and would not be covered. The
past few years it has been covered but aren’t anymore. Experimental
treatments and drugs are also not covered on most insurance
plans either.
A couple of important things that you should remember are
to always try to keep a list handy of things that is excluded
on your health insurance. Why you may ask? Sometimes after
a hospital stay you could actually get a bill for an item that
was already paid for by your insurance. Itemize your hospital
bill so you can make sure your not being overcharged for anything
while you were there. Some states actually mandate what services
that maybe excluded and what ones can. You will have to check
with each individual state to see what is covered and what
isn’t. Now some insurance companies will have a long list of
exclusions while others will only list a few. Be weary of the
small list as they may be disguising their exclusions under
different things they may not be under normally or listed somewhere
throughout the policy.
Remember not everything is excluded and it’s your job as a
policyholder to find out what is excluded and what isn’t. The
insurance company won’t volunteer any information if you don’t
ask for it. Health care insurance is an ever-changing market
with sometimes changing weekly. Your exclusion list could change
weekly to so keeping on top of it is also very important. Exclusion’s
list should always be kept on hand and updated as it becomes
necessary. As long as you’re prepared, you will be able to
handle a situation that changes.
Click here to to view health insurance quotes, compare plans side-by-side and apply for the most affordable health insurance within your budget. I did this myself (June 17, 2011) to change my health insurance policy. Saved me $84 per month (or $1,008 per year). It's my SolveYourProblem recommendation.
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by SolveYourProblem.com : 2005
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