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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.
→ Read MorePurchase of prescription drugs and reimbursement by your health insurance company is discussed.
→ Read MoreOutpatient therapy and home health care which are included as covered services in your health medical insurance policy are discussed.
→ Read MorePre-existing medical condition under your health insurance policy is discussed.
→ Read MoreThe covered expenses and payment of your health insurance policy is what you are really shopping for in a health insurance plan.
→ Read MoreTypical coverage exclusions in a medical insurance policy, such as experimental procedures, eye and ear treatments, alcohol and drug intoxication, intentionally self-inflicted injury, suicide are discussed.
→ Read MoreThe 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.
→ Read MoreUnder 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.
→ Read MoreAn 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.
→ Read MoreThis 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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