If you’re someone who has standard health insurance, you may be wondering which medical emergencies are covered and what is not covered. Knowing what is not covered with your standard traditional health insurance policy can help you determine if you require additional policy add-ons for maximum protection. At Alta Vista Insurance Agency, serving Carlsbad, CA, we can assist with finding the right health insurance policies that are suitable for your needs and lifestyle.
What’s Not Included
In some standard health insurance policies, out-of-network emergency care can quickly cause costs to rise. While many insurance policies cover trips to hospitals and emergency rooms, seeing a specialist out of your network is not one of them. Another excluded area includes ground or air ambulance services. For many individuals, this is not covered with a standard health insurance policy. Some emergency treatments are also not included:
- Experimental procedures
- High-cost imaging scans
- Emergency care tied to pre-existing conditions
- Non-emergency surgeries (in some instances)
- Injuries related to high-risk activities
Rehabilitation may not be covered along with physical therapy, depending on your policy type. You’ll need to review your policy details to better understand what type of follow-up care is included in your existing plan. Working with an agency that understands your specific health needs is a way to better determine which add-on policies may work for you.
Whether you’re immunocompromised or if you’re in need of experimental procedures, it’s important to understand the limits of your existing traditional health insurance policy. At Alta Vista Insurance Agency, we’ll walk you through the process of determining which insurance policies and add-ons are right for your particular needs and way of life. To learn more about your health insurance options in and around Carlsbad, CA, contact us today.
