Wednesday, November 10th, 2010
Health Insurance Coverage
What services are covered – Your health insurance policy provides a list of medical services such as tests, drugs and treatment services that they will cover based on your agreement. Your policy will also list the types of services that are not covered and if avail of these services you will pay for it out of your own pocket.
What is considered a medical necessity – A medical necessity is a condition that your doctor has advised you as necessary. Some tests that may be required by your doctor are not included in the insurer’s list of medical benefits. The insurance companies choices of tests, drugs and laboratory exams to be included are based on what they believe are the types of medical care needed most by patients.