What Types Of Items Does Health Insurance Not Cover?

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   Neil Steinman

   Owner, Orange County Health & Life Insurance,

   To be specific about what health insurance does not cover, you would have to check your plan's policy's exclusions & limitations. However, if you're asking a general question, I think the key term here is "medically necessary". If your provider bills a service as medically necessary, then it would generally be covered. From a common sense standpoint, why would an insurance company cover something that's not medically necessary. A good example of something that's not medically necessary is cosmetic surgery.

   Answered on June 19, 2013

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