Things Potentially NOT Covered By Your Health Insurance

Nevada Insurance Enrollment Explains How Your Health Insurance May Not Cover Everything You Expect

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.

As a patient, you have limited control over what tests and procedures your doctor orders, where you obtain those services, and what you ultimately end up paying. Even if you do your research and ask how much your health insurance policy will pay for a particular service, health insurance companies have contracts with medical professionals and generally will not discuss their pricing between themselves and the providers.

In many cases, neither your health provider nor your health insurance company can give any insight into how much you will pay. It is not unusual for a doctor to order a service, the patient to follow their doctor's orders, and the health insurance company to pay only a small portion of the cost. The health insurance company has pre-negotiated, contracted prices and pays the contracted amount to the provider.

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To be fair, in recent years, health insurance companies have made strides towards transparency. If you have an ACA-compliant plan, there are many services that your health insurance is legally required to cover, taking some of the guesswork out of budgeting for health expenses.

Reading your health insurance plan's coverage paperwork can help you make sure that a service or medication that you are getting is covered. If you have any questions about your coverage, call your health insurance company (usually the member services phone number on the back of your insurance card), or talk to your health insurance agent.

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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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