What Is Not Covered Under Health Insurance

Individual health insurance plans are different than health insurance plans you might of had while working for a company.  Individual plans do not include all types of coverages so it is important to read the benefit details before choosing a plan. 

For instance, many people do not know that maternity if not covered under most individual health insurance plans.  This is very important to know.  In fact, it is very difficult to add health insurance coverage after you find out your pregnant.  Many people want to try to get health insurance once they realize of the cost associated with the pregnancy.  Health insurance carriers are well aware of these high costs and will usually decline coverage if you apply after the fact.

Other types of services usually not covered by health insurance are physical therapy, fertility treatment, cosmetic or elective surgery, weight control services and many other things.  It is extremely important to know what types of services you need based on your current health.  And also, to read the benefit details before making a final decision on the health insurance plan.