Medical care that typically isn’t covered under health insurance plans

Category: Medical expenses


Whether you’re currently shopping around for a new health plan or you already have insurance, it’s good to know what standard healthcare coverage will pay out for, and what it won’t. Note that it will vary by insurance carrier and specific health plan, and you should always ask your insurance carrier directly if you have any questions about whether a specific treatment or procedure is covered. Generally, the following is not usually covered:

Weight loss programs

Some health insurance plans may provide some coverage for weight loss counseling. For the most part, however, weight loss treatments and programs are not usually covered. For example, a surgery that is meant to aid with weight loss will not normally be covered by medical insurance.

Dental care

Whether it’s a routine visit or major treatment, dental care is not normally covered by medical insurance. A separate dental plan is needed if you want coverage for dental care. If you don’t have dental insurance, you may have other options for cutting down on your dental expenses. One thing you could do is purchase a discount plan, which can be a more affordable option compared to dental insurance and can offer a savings ranging anywhere from 15 to 60 percent. Unlike a monthly premium, discount dental plans usually require a flat annual fee. However, discount plans are not accepted by all dentists, so you’ll want to make sure you live near one who does accept them.

Visiting a dental school is another way you can save significantly on dental expenses, especially if you need more expensive work done. Because students need to work on actual patients as part of their studies, you can receive steep discounts. Students are usually close to graduating and work under the supervision of licensed dentists.

Cosmetic procedures

Plastic surgery and other types of cosmetic surgery, for the most part, aren’t covered under health insurance plans. If there is a medical reason that you need a particular surgery or procedure, however, it might be covered—even if it is technically categorized as a cosmetic procedure. For example, if you have a mole that you remove because you don’t like its appearance, you will need to pay for the removal costs out-of-pocket. But if you’re removing a mole because you suspect it might be cancerous, then your health insurance might cover it.

Fertility treatments

Some healthcare plans will fully or partially cover the costs of infertility diagnosis. But if treatment is needed, health insurance often won’t cover most (or any) of these costs.


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Nothing above is meant to provide financial, tax, or legal advice. You should meet with appropriate professionals for such services.

Tags: dental expenses, Health Insurance

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