RichDayHealthPlans Blog

When your Health Insurance Doesn’t cover your medical care…

While its true that the costs for health insurance coverage continue to increase, having a health insurance plan will save you more money in the long run. But no health insurance plan will cover every medical treatment an insured individual needs over the course of his or her coverage period. No matter how good your health insurance is, you may infrequently encounter a medical treatment or condition that is not covered by your health insurance policy.

Although these situations are normally confined to elective treatments like cosmetic surgery and liposuction, that is not always the case.

If you are in need of a non-elective treatment that your insurance company is unwilling to cover, and it is not specifically listed on the ‘excluded treatments’ section of your health insurance policy, ask your insurance company for a written details of their reasons for issuing such a denial. Then show this to your physician.

Get quotes for Blue Cross and Blue Shield of North Carolina here