Coverage Walt Ayres reveals what is typically NOT included in a health-insurance policy. Other items such as birth control and infertility treatments have been controversial.
Consumer demand can ultimately change the availability of coverage.
Legislation reflects consumer demand, as in the case of the recently mandated coverage for 48-hour minimum hospital stays after childbirth. It's important to learn the specifics of your plan before jumping to the conclusion that the care you need is not covered. Your plan may indeed include some of the features listed below that are usually excluded from health-insurance policies. And you can always ask your doctor whom to call if you're concerned about being unable to get the care you need. Nonprofit HMOs are more likely to avoid new technologies, including laser medical technologies and other cutting-edge treatments, unless they produce cost reductions.