What Doesn’t Health Insurance Cover?

​All health insurance companies provide an exclusion list under their plan in adherence to their guidelines. So, it’s recommended to do thorough planning and research before choosing a health plan to find an insurance plan with maximum coverage and minimal exclusions. 

Keep reading to know about the treatments and diseases not covered by a health insurance plan.

1. Cosmetic Procedures
   Several services help enhance a person’s physical appearance, such as dermatological procedures and plastic surgery. They are mostly not covered by typical plans. Clients can choose which providers to perform these procedures to have great price transparency. For example, if you want laser hair removal, you can call different providers, and they will instantly quote a price.
   
   
2. Abortion and Pregnancy
   Whether it's a complication or a Caesarian section for pregnancy, voluntary abortion and medical expenses regarding these treatments may not be covered under health insurance. However, many insurance providers can provide financial protection for abortion unless it’s detrimental to the mother. Also, some insurance companies can cover additional maternity expenses.
   
   
3. Off-Label Prescriptions
   Prescription drugs should be tested and approved for certain disorders like autoimmune diseases. There are times that these drugs can be prescribed, although the disorder is not included on the label. In that case, the insurance company may not accept covering expenses for these off-label uses. 
   
   
4. Health Supplements
   Protein shakes and health tonics consumed to cure a disease are not covered by health insurance. However, it can fall under the plan as soon as medical practitioners recommend these supplements as part of the treatment during hospitalization.
   
   
5. Fertility Treatments
   This treatment area can vary among different states, and the expenses of most procedures may not be covered by health insurance. However, insurers may pay for the tests required for diagnosing infertility.

Wrapping Up
Don’t be overwhelmed by all these exclusions. Buying health insurance is hard, but Arnold, Bruce & Doerfler can make it easier for you!

At Arnold, Bruce & Doerfler Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (503) 222-1951 or Click Here to request a free quote. The coverage discussed is not guaranteed. Please contact our agents to make sure you have adequate coverage and your needs are being met. We are happy to help!