Expenses Not Covered Under Health Insurance Policies

Incurred medical expenses or fees which are not covered under your health insurance policy and not medically necessary are discussed. If you have been denied coverage because the company has deemed it not medically necessary, with your physician’s help, you have a chance of persuading your insurer otherwise by appealing their denial.

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Investigative/Experimental Drugs, Immunosuppressants, and Psychotherapeutic Drugs

The health medical insurance coverage for investigative/experimental drugs, immunosuppressants, and psychotherapeutic drugs is discussed. An investigational or experimental drug is a substance that has been tested in a laboratory and has received approval from the FDA to be tested in people. Immunosuppressants are drugs that are used in immunosuppressive therapy to inhibit or prevent activity of the immune system. They are used to.

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TMJ and CMD, Contraceptives, and Sexual Dysfunction

Under the policy above, any treatment for TMJ, temporomandibular joint disorder, or CMD, craniomandibular disorder, and any of the expenses related thereto are excluded from coverage. In other words, the expenses for TMJ disorder and CMD disorder are out-of-pocket. However, not all insurance policies have specific exclusion clauses. Some will cover a certain dollar amount.

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Continuation of Coverage When Premium Is Not Paid by Premium Due Date

An insurance policy lapse is a termination of coverage that occurs when a policyholder fails to make the required premium payments. After a policy lapses, no benefits are payable because the coverage has terminated. Sometimes, however, there are circumstances when, even though you are late or delinquent on the payment of premium for your individual health insurance policy, your coverage may still be extended. We will discuss these situations so that you know and understand your rights.

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Benefits for Mental and Emotional Disorders and Childhood Immunizations

This article discusses benefits not subject to any co-pays, deductibles or coinsurance percentage unless otherwise indicated. The insurance company promises to pay these benefits on behalf of each applicable insured for the amount of professional fees and other applicable diagnostic or treatment expenses that are covered expenses: Mental and emotional disorders, alcoholism, and drug abuse and childhood immunizations.

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