Plans typically do not cover costs associated with attempts at conception. X-ray or laboratory services in or out of a hospital setting. Some plans require a copay , others pay 100 percent. Copays vary by plan. Some plans limit use to urgent care centers in their network .
All plans cover stays in a skilled nursing facility.
Most limit the number of days of coverage from 90 to 180 days per year. Some require a copay at each visit and limit the number of visits per year. Any therapy services received beyond the annual limit are not covered. Some require a per-visit copay , others limit the number of annual visits. Some HMOs require that your PCP make a referral to a chiropractor.