How can insurance companies deny coverage?

Insurance companies frequently deny coverage if the applicant has a recent history of accidents, a series of minor traffic tickets or a serious infraction such as a DUI. These are strong indicators of a risky driver who may cause a car accident and submit a claim.

Do patients have a right to second opinion?

Most healthcare providers will acknowledge their patients’ right to a second opinion, so you just need to be honest and straightforward. Be sure to ask for your medical records so you can share them with the second healthcare provider. By law, your healthcare provider must give these records to you.

How do insurance companies decide what tests to cover?

Insurance companies determine what tests, drugs and services they will cover. These choices are based on their understanding of the kinds of medical care that most patients need. Your insurance company’s choices may mean that the test, drug, or service you need isn’t covered by your policy.

What does my health insurance not cover?

Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies. If health coverage is denied, policyholders can appeal for…

What does it mean when your insurance company makes a choice?

Insurance companies determine what tests, drugs and services they will cover. These choices are based on their understanding of the kinds of medical care that most patients need. Your insurance company’s choices may mean that the test, drug, or service you need isn’t covered by your policy. What should I do?

What does covered services mean on a health insurance policy?

The policy lists a package of medical benefits such as tests, drugs, and treatment services. The insurance company agrees to cover the cost of certain benefits listed in your policy. These are called “covered services.” Your policy also lists the kinds of services that are not covered by your insurance company.