Does Health Insurance Cover Dermatology? 
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 -LRB- PCP -RRB- before seeing a dermatologist , which is considered to be a specialist . If a referral from your PCP is required and you do n'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 . 