Category: Health Insurance

Does Health Insurance Cover Mental Health Treatment?

As reported on HealthCare.gov, mental health and substance abuse services are covered as essential benefits under all Marketplace plans. These plans are required to provide “parity” protections between medical and surgical benefits and mental health and substance abuse benefits. What this means, generally, is that the limits cannot be more restrictive for one than the other. This parity applies to: Financial limits, such as copayments,...

Foods That Seem Healthy But Aren’t

Advertising can be misleading. Many foods on the shelves today bear labels designed to make them appear to be a good choice for a healthy diet. These labels may contain words such as, “non-GMO, gluten-free, fat-free, all-natural, low-fat, or sugar-free.” Although the labeling may be accurate, that does not necessarily mean the food is genuinely good for you. The following are some foods many people...

Choosing The Health Plan That Works Best For You

There are so many factors to consider when choosing a health insurance plan! How high are the monthly premiums? How large is the deductible? What is the maximum you will have to pay out-of-pocket per year for covered medical expenses? How much is your copay for doctors’ and specialists’ visits? How much of the cost of prescription medications will the plan cover? You need answers...

Will My Health Insurance Cover Cosmetic Procedures?

Cosmetic procedures are performed to change, restore, or enhance appearance. Health insurance plans rarely pay for elective cosmetic procedures. However, they may cover plastic surgery if it is reconstructive and performed for medical, rather than cosmetic, reasons. When Does Health Insurance Cover Plastic Surgery? Whether your health insurance will pay for plastic surgery depends on the insurance company, the type of coverage you have, and...

What Happens If You Don't Have Any Health Insurance?

Americans are required to carry health insurance under the Affordable Care Act of 2010 (ACA). Originally, the ACA called for a penalty (known as a shared responsibility payment) for people who did not have health insurance, enforceable on the federal level. This portion of the ACA was repealed in 2019, and the authority to enforce health insurance requirements was transferred to the states. Depending on...