What is not covered in the medical insurance plans?
Pre-existing medical conditions are not covered. Maternity expenses are not covered. Expenses that are not “medical expenses” are not covered (for example dental expenses are not medical expenses). Expenses that you voluntarily opt for that are not prescribed by a doctor man not meet the “ordinary and necessary standard”. For example, you might discover that a weekly spinal manipulation helps your golf game and eases back pain, but this might not meet the standard of “ordinary and necessary”. When an insurer cannot easily determine whether an expense is “ordinary and necessary” then often the policy states that only a limited benefit is covered. For example, outpatient counseling is usually limited to a specific dollar amount and number of visits. This limitation does not mean that you can be cured for that specified number of medical visits, but rather that the insurer is limiting its financial responsibility to that dollar amount.
