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Which Procedures Are Covered by Health Insurance?

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Summary: The procedures covered by health insurance are generally those that are medically necessary, so cosmetic procedures will not be covered. Discover how insurance companies can deny claims Health insurance is not very useful for covering psychiatric visits, and many carriers don't even offer the option. Discover how health insurance is used in psychiatry with tips from an insurance broker in this free video on health care and financial planning.

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By Vic Schumacher
eHow Presenter

Vic Schumacher is part of HPE Financial Services, a brokerage insurance company representing all major carriers. He works with businesses, families and individuals, helping them to...read more

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Video Transcript

"Hello. My name is Vic Schumacher. The company is HPE Financial Services. The question today is which procedures are covered by a health insurance plan? The answer is very simple: those that are medically necessary. Cosmetic procedures are not medically necessary. So if you go in and have a surgical procedure done, the physician or the doctor must note on the record form that this procedure was medically necessary. The insurance company receives that and then they will pay the particular claim on that different procedure. Unless the physician or the doctor indicates it was medically necessary, the insurance company will deny the claim and you will be responsible for whatever payment is required to that particular physician. So the biggest factor is, does it have to be done? Is it in the best interest of the patient to have this done? Or is this going to be just to make the patient look better and that's the end of the story. So the key factor again is you must have it done exactly to help the health. My name is Vic Schumacher. The company is HPE Financial Services, helping people everyday."

eHow Article: Which Procedures Are Covered by Health Insurance?

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