As young people enter into the “real world” one of the most important things they are going to have or need is health insurance. Everyone in the world gets sick or something very serious happens that makes them hospitalized. Whether it is going in to get the yearly exam or being in a very severe car accident and have to spend the next couple weeks/months in the rehab center of a hospital, people will experience going to the doctor in many different ways. Health insurance makes it possible for people to be able to afford those monster bills that will end up on their door-step once all the dirty work is done. In some cases though insurance will not cover a certain surgery or emergency visit. Knowing which ones are and are not covered is very valuable information. Health insurance will more than likely not pay for surgeries that are not necessarily needed or life-threatening. If a surgery is considered an “elective” surgery insurance will not cover it. A surgery is considered an elective when the
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In about every one and eight couple have trouble getting pregnant and agree to go through the process of infertility treatment (Fast Facts About Infertility). Most health insurance companies help out on medical expenses when they can. Infertility treatment is one procedure that is not covered by insurance. The company determines what services they want to cover, so if a patient decides to have a certain test done or takes a new drug it is all up to their health insurance company on how much of the medical bill will be covered by them (Health Insurance 101). Medical benefits, which is what your health insurance agrees to cover, differs from a medical necessity, which is something that the doctor has decided is necessary (Health Insurance 101). Infertility falls under the category of a medical necessity, meaning that the likelihood of it being insured is very
In about every one and eight couple have trouble getting pregnant and agree to go through the process of infertility treatment (Fast Facts About Infertility). Most health insurance companies help out on medical expenses when they can. Infertility treatment is one procedure that is not covered by insurance. The company determines what services they want to cover, so if a patient decides to have a certain test done or takes a new drug it is all up to their health insurance company on how much of the medical bill will be covered by them (Health Insurance 101). Medical benefits, which is what your health insurance agrees to cover, differs from a medical necessity, which is something that the doctor has decided is necessary (Health Insurance 101). Infertility falls under the category of a medical necessity, meaning that the likelihood of it being insured is very