Understanding Your Health Insurance: What Is Covered?

Over the years, we have found out at Redden Insurance, Bradley WV, that health insurance is riddled with a lot of confusion. There are cases when a patient pays for a particular healthcare service with the hope of getting a refund from her insurance company, only to be told that her policy does not cover the treatment.

Sometimes, policyholders contact their insurance company to find out how much of a particular treatment is covered by their policy and they are told that it depends on certain factors. Really, from the other end, it may appear that health insurance providers lack integrity. On the contrary, the real problem is that healthcare insurance is complex.

That’s why we usually take the time to educate and guide our clients regularly. Also, in terms of health issues, every patient is unique. No two people have ever been in a similar health/insurance situation. However, here are what health insurance generally covers and what it does not cover.

What health insurance generally covers

  • The use of medical devices
  • Wellness care
  • Prescription drugs
  • Hospital visits
  • Medical consultations
  • Some health insurance policies also cover medical checkups

What it does not cover

  • Use of off-label drug
  • Beauty treatments
  • Elective procedures
  • Cosmetic procedures

However, some procedures are for medical reasons. So, the insurance company may decide to pay for such. If you specific questions about what individual procedures, please talk to one of our experienced insurance agents at Redden Insurance Agency.

Before you purchase any health insurance policy, it is necessary to understand what it covers and what it does not cover. Don’t assume. If you want professional guidance on health insurance as it applies to West Virginia, don’t hesitate to contact us. Our doors are always open to you because you are either our client or you are our potential client.