Things Potentially NOT Covered By Your Health Insurance

Nevada Insurance Enrollment Explains What Your Health Insurance May Not Cover

LAS VEGAS - nvtip -- Understanding your health insurance coverage can be a big challenge. This is especially true if your plan has special rules about only covering care from in-network providers or having to seek certain treatments for a condition before more drastic measures, such as surgery, can be taken.

Services Not Covered by Health Insurance
-Cosmetic procedures. Elective services that are meant to enhance your appearance, such as certain dermatological procedures and plastic surgery, are usually not covered.
-Fertility treatments. While rules vary from one state to another, most health insurance companies have very limited coverage for fertility treatments. In Nevada, health insurance companies may cover up to 6 cycles of artificial insemination per lifetime, with prior authorization approval. Check your plan's "Evidence of Insurance" for details.
-Off-label prescriptions. Medications are tested and approved for treating specific disorders or illnesses. In higher or lower dosages, however, they may be effective in treating other conditions. If a medication is being used to treat a condition that is not listed on its label, then the health insurance company may not cover it.

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-New technology or treatments. While there have been significant technological advances in screening and treating certain conditions, health insurance companies tend to be slow to catch up. Unless medical companies can prove that a new technology dramatically improves patients' likelihood of surviving an illness, the health insurance company is unlikely to cover it.

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Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554

Nevada Insurance Enrollment
Shelly Rogers

Source: Nevada Insurance Enrollment

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