Do you know what is covered in your family health insurance plan? And do you know what is not covered under the same policy? Health insurance companies do face the challenges of the changing economy and therefore they review their budgets annually. Doing so, the exclusions list in the family health insurance plans also get even longer.
Before signing up with any health insurance company, it is important to understand what your policy will cover and what it doesn’t. A large number of people do not read the plan they are signing up with carefully and often get surprised or rather shocked when they find out what their plan does not include which they presumed it would include.
In order to find out what your plan includes, it is important that you have a look at your family health insurance paperwork carefully. Just in case you don’t have a copy, ask your provider to send you a copy so you can read it. Usually, the list of exclusions can be found in an area of the paper labeled as ‘exclusions’. When you are looking through the family health insurance plan, have a look at the size of the list. A very large list of exclusions means that the company has tried to find everything that they could incorporate there. However, if the list of exclusions is too short, you still have to be very careful.
A short list of exclusions means that there may be other exclusions listed throughout the medical insurance paperwork. Make sure that you read the entire paperwork to see that you have gone through all the exclusions. Also make sure that you highlight each exclusion. Once you have had a good look at the paperwork, you can compare those with the list of exclusions provided below to see that you have not missed out on any.
General Family Health Insurance Plan Exclusions:
1. Comfort, routine or convenience items such as cough syrup, humidifier, etc.
2. Telephones, extra pillows, band aids, televisions, etc.
3. Sex change, cosmetic or reconstructive surgery
4. Private nursing or home care
5. Hearing, vision and dental care
6. Elective abortions
7. Non prescription drugs, experimental drugs and treatment
8. Behavioral or learning problems
9. Reversals of sterilization or vasectomies
It is very important to know what is covered and what is not covered under your plan in order to avoid getting any unexpected bills. Family medical insurance is a definite necessity today and with the increase in health care costs, it is important for every responsible adult to get an insurance plan for the whole family. But, it is also important that you purchase the right plan so you are prepared for any tragedy or illness that may strike.
Family health insurance plans covers from basic routine checkups to expensive treatments. Such coverage is also handy when you are in need of a surgery. Therefore, you must make sure that you are getting the right plan and that you are aware of all the exclusions.