Obviously, there are many things that medical insurance will not cover. At the same time, some procedures may seem frivolous but will be covered by insurance under certain conditions. Some have to cover these procedures by law, or some insurance companies will have their set policies for their procedures. It is recommended to consult with an insurance company that services Fords, NJ, like Five Star Insurance Agency, to see if you will be covered.
Weight Loss Surgery
Many insurance policies in New Jersey will cover weight loss procedures as long as you meet the terms as described in the policy. If the patient has an extremely high BMI and it is threatening his or her life, then immediately weigh-reducing procedures will likely be covered. Diseases that may be caused by extreme obesity include heart failure, diabetes, hypertension, or artery disease. Many policies will require that the patient will participate in weight loss programs before considering drastic surgeries.
In Vitro Fertilization (IVF)
Thanks to the Family Building Act that was passed in 2001, New Jersey is one of the few states that mandates insurance companies to include coverage for IVF. The state recognizes that infertility is a serious disorder, so they have required insurance companies that have pregnancy-related benefits also to cover IVF. This mandate also covers other fertility-related treatments including medication, embryo transfer, artificial insemination, and more.
Breast Reduction Surgery
Breast reduction is mostly associated with elective surgeries, but it can be covered by insurance in some instances. If the patient has well-documented health problems that have been proven to be caused by large breasts, then they are likely to be eligible. Severe Neck, back, or shoulder pain is often the top causes for concern when considering breast reduction.
If you have any of the above issues or other unusual health problems, contact Five Star Insurance Agency to see which policies may cover you. This agency has a reputation that precedes many years, and they just happen to cover the residents of Fords, NJ.