Does Health Insurance Cover Dermatology?

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   Fred Adams

   The HSA Expert, Health Revival, Athens, GA

   Most insurance policies will coverage dermatology, as long as the treatments can be considered medically necessary and not cosmetic.  If you have an HMO, such as Kaiser,  you will need a referral from your primary care doctor (PCP) before seeing a dermatologist, which is considered to be a specialist.  If a referral from your PCP is required and you don't obtain one before seeing a specialist, then your HMO insurance will not offer any coverage. That is not the case if your coverage is a PPO, which does not require a referral in oder to have coverage for seeing a specialist.

   Answered on April 16, 2014

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