What will a typical health care plan not cover?
Most insurance companies do not want to cover things that they believe are not medically necessary. That is one of the many definitional catch-phrases that can mean anything and gives them a lot of latitude to move. They will usually say whatever you need, and your doctor says you need, if it's expensive, is not medically necessary, there are cheaper alternatives, there are other ways to achieve it. So medically necessary is a very important term for anybody who is arguing to their insurance company, you have to always prove to them that your treatment is medically necessary, and they have many ways to define that. Generally, they don't like to pay for things that are deemed experimental. However it's almost impossible to define experimental, as in the practice of medicine we're always trying to improve every procedure. At university hospitals they're always doing something and if they're working on a new procedure to do an appendectomy, they will have you sign something called the Experimental Bill of Rights, because they want to publish and talk about how this new device is helping appendectomies. So there are always ways for them to try to take a very costly procedure, put it into one of their exclusions, generally under experimental, investigative, or under not medically necessary. Additionally, for anorexics and for people who have illnesses that might have a psychological component, although very medical in the harm they cause, they will always try to say it's psychological in nature, this is something that counselling can cure even though someone's heartbeat is gone and they actually don't have enough weight to exist. We see that in different crossovers that might have a psychological component.
