Some Fee-for-Service plans do not cover routine medical checkups.
Women should take careful note of which plans cover annual gynecological
exams -- pap smears and mammograms, for example.
Women should also note that some individual plans will cover complications
of pregnancy but won't cover normal pregnancy or childbirth.
Want to try acupuncture for your hypertension? Your plan might
not cover it. Procedures that are considered experimental or non-traditional
are usually not covered.
Believe it or not, mental health coverage is not offered in many
health plans. Others offer limited coverage for acute conditions
only.
Procedures the health plan determines are not medically necessary.
Other exclusions
Insurers will definitely not pay duplicate benefits. You and your
spouse may each be covered under a health insurance plan at work,
but under what is called a "coordination of benefits" provision,
the total you can receive under both plans for a covered medical
expense can never exceed 100% of the allowable cost. So while you
won't be able to pull a fast one, you can rest assured that this
provision benefits everyone in the long run. How? By helping to keep
overall insurance costs down.
But what happens if you lose your job? Learn your options ...>> click
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