Coverage for dermatology can vary from policy to policy. If you have a basic policy, such as an accidental or emergency policy, coverage for the dermatologist may not be covered unless the visit is due to sickness or emergency. A more comprehensive individual policy may cover dermatology, and many group policies will cover specialists, such as a dermatologist.
Before going to the dermatologist, you will need to make sure that you are covered. If you have coverage thru an employer, you can ask your Human Resources Manager, or the person in charge of benefits. Or, check your Health Insurance Policy booklet, or call the Customer Service Number that is usually located on the back of your card.
After you determine that dermatology is covered, check to make sure that your doctor is in network. Using physicians that are “in network” will usually save money over using a non network, or “out of network” provider. You can usually use an out of network provider, but will pay a higher copay or deductible for the visit. You can call the physician office with your health insurance information to verify whether or not the provider is in network or not. If unable to contact the office, many health insurance companies offer this information on their website.
Most major medical plans will cover medically necessary treatment by a dermatologist. This includes treatment for conditions like acne, eczema, psoriasis, cancer and so forth.
Cosmetic treatment for things such as skin blemishes or tattoo removal are generally not a covered item.
In some situations removal of a birth mark (such as a port wine stain) may be a covered item.
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Before going to the dermatologist, you will need to make sure that you are covered. If you have coverage thru an employer, you can ask your Human Resources Manager, or the person in charge of benefits. Or, check your Health Insurance Policy booklet, or call the Customer Service Number that is usually located on the back of your card.
After you determine that dermatology is covered, check to make sure that your doctor is in network. Using physicians that are “in network” will usually save money over using a non network, or “out of network” provider. You can usually use an out of network provider, but will pay a higher copay or deductible for the visit. You can call the physician office with your health insurance information to verify whether or not the provider is in network or not. If unable to contact the office, many health insurance companies offer this information on their website.
Cosmetic treatment for things such as skin blemishes or tattoo removal are generally not a covered item.
In some situations removal of a birth mark (such as a port wine stain) may be a covered item.