Surprising Things Your Health Insurance Just Might Cover
You already know that your health insurance covers your annual physical, age appropriate screenings and even the kids’ shots, but did you also know that you may be able to use your health insurance to lose weight or visit specialty clinics? Read your health insurance plan details closely and then see if you’re covered for these things.
If your doctor has told you that you need to slim down, you can use your health insurance to fund at least part of the cost. Lynne High of United Health Care says that major insurance companies offer discounted gym memberships to clients as a way to not only help them improve their health, but also stay healthy. “Those who exercise regularly are less likely to suffer from injury and illness,” said High.
Drug Store Screenings
Those drug store walk-in screenings that are advertised at stores like Walgreens and CVS could be free to you courtesy of your health insurance. Such clinics take blood pressure readings, assess blood sugar levels and are also staffed with medical personnel who are qualified to diagnose and treat minor illnesses like the flu, strep throat, infections and colds. Walk-in clinics may also provide immunizations and free yearly flu shots.
Photo by TheLawleys.
Have you ever wanted to see a chiropractor or find out if acupuncture will cure your achy legs? As long as your doctor approves, your health insurance coverage will take care of chiropractor bills, massage therapy, herbal supplements and acupuncture treatments.
Breast Reduction Surgery
It may technically be considered cosmetic surgery, but if your chest is causing health problems like a sore back or neck, your insurance is likely to foot the bill for breast reduction surgery. Any pain that interferes with the quality of life is considered insurable by most health carriers.
Having trouble drifting off to sleep at night? Talk to your doctor! Health insurance companies routinely sponsor and pay for clinical sleep studies. Such studies may reveal sleep apnea, anxiety issues or restless leg syndrome–all of which are treatable (and insurable) disorders.
Tired of wearing glasses? Your health insurance may cover the cost of Lasik surgery. John Denundrin, head of Eye Care For All in Chicago, says that health insurance companies are now paying for part or all of corrective eye procedures. Check your policy to see if you’re covered.
Weight Loss Surgery
Medicaid and Medicare have been paying for weight loss procedures since 2006 and almost all major insurance companies have followed suit. You’ll need to meet the criteria in order to qualify–meaning you’ll need to be at least 100 pounds overweight, have a BMI of over 35, and have qualifying documentation from your physician that regular diet and exercise hasn’t worked for you.
Want to know what you’re covered for? Take a new look at your insurance policy.