February 4, 2023

Why Insurance Plans Don’t Always Pay

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Imagine you go to the doctor for a check-up and are diagnosed with a serious illness! You’re relieved when you find out that your insurance will cover the cost of treatment. However, you soon learn that your insurance plan doesn’t always pay. How could this be? 

These are three of the biggest reasons why insurance plans sometimes don’t pay and what you can do about it.

Treatment is Out of the Network

Not all financial protection plans provide reliable coverage to pay medical bills. In some cases, insurance companies may deny benefits because the treatment services requested are out-of-network, meaning that you were treated by a healthcare provider not covered in your particular plan. 

This can be frustrating for those needing care and cause them to question why their insurance does not reimburse for certain treatments. However, there are cases where certain out-of-network services may be covered under unique circumstances, so it is important to investigate those possibilities when searching for financial means to cover the cost of needed treatments.

The Treatment Isn’t Medically Necessary

Insurance plans are designed to cover medically-necessary procedures, to protect individuals from unexpected medical costs. It’s not uncommon for insurance providers to deny payment when the procedure being requested isn’t considered a medical necessity. 

Many dental plans won’t pay for treatment unless it’s medically necessary. Unfortunately, this can often lead to large out-of-pocket expenses, especially when the treatment could potentially provide valuable benefits such as improved oral health or an enhanced appearance. It is thus essential that consumers thoroughly review their coverage options before pursuing any treatments or procedures not classified as medically necessary.

You Have a Deductible

Understanding our insurance plans can often be complex, and one area of confusion is why claims may not get paid in full. While there are a variety of reasons why this might happen, one common cause is that you may have a deductible to meet before certain services are covered by your plan. A deductible is an amount of money you must pay out-of-pocket before your insurance will pay for some or all of the remaining costs. The amount of your deductible depends on your specific plan, though it’s important to remember that meeting it could save you significantly more than you would otherwise pay in total for the service. Educating yourself about how deductibles work can help you make smarter healthcare decisions in the future.

Insurance is necessary to keep you and your family protected. But that being said, insurance won’t always foot the bill when you need medical care. Understand these reasons why insurance plans may not pay and how you can better ensure your insurance will cover your care.

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