Three things your health insurance may not cover.
We understand that navigating the seas of health insurance is a tough ride. Even so, getting coverage is important! It’s imperative to understand what types of health care costs are covered under your plan and what. You will end up paying out of pocket. Trust us; it’s better to find this out now before having a nasty surprise when you’re given a hospital bill. Whether you’re looking to choose a new policy or are unsure of the details of your current plan, these loopholes in health care coverage may surprise you.
Hearing Aids
Although millions of American suffer some degree of hearing loss, Medicare, the federal safety net program, does not typically cover hearing aids. Generally, most employer and private insurance plans for working Americans only cover hearing exams, but not hearing aids.
Long-Term Nursing Home Care
Insurance and Medicare may or may not cover short-term stays in nursing home facilities, but they typically won’t pay for long-term custodial care, such as dressing, bathing, and feeding in nursing homes. For this type of coverage, you will need to secure long-term care insurance.
Infertility Treatments (IVF)
Although infertility testing is usually covered by insurance, in vitro fertilization (IVF) tends to be excluded from coverage. The procedure is costly, and sometimes multiple rounds are required for successful conception. In California, group insurers can offer coverage for infertility treatment, except IVF. Employers may choose whether or not to include infertility coverage as part of their employee health benefits package.
If you’re not sure what your health insurance covers, or you need to find health insurance, visit the team at Donald Weiss Insurance Services today.