Health insurance is a vital part of life for many people, but it is not always possible to have perfect coverage. There are often things that fall through the cracks, and some medical conditions are not covered under health insurance.
In this blog post, we will explore some of the medical conditions that are not covered under health insurance.
List of Diseases not Covered Under Health Insurance
1. Pre-existing illness
There are a number of medical conditions that are not covered under health insurance, including pre-existing illnesses. This means that if you have a condition that was diagnosed before you applied for health insurance, your insurer may not cover the costs of treatment for that condition.
Pre-existing illnesses can include both chronic and acute conditions. Chronic conditions are those that last for a long time, while acute conditions are those that come on suddenly and typically resolve within a short period of time. Some common examples of pre-existing chronic illnesses include diabetes, heart disease, and cancer. Acute conditions can include things like appendicitis or a broken bone.
2. Cosmetic surgery
There are a number of medical conditions that are not covered under health insurance, including cosmetic surgery. This can be a difficult and costly expense to cover on your own, but there are a few options to explore.
One option is to find a cosmetic surgeon who offers financing options. This can help you spread out the cost of the surgery over time, making it more affordable. Another option is to look into medical credit cards, which can also help you finance your surgery.
Whatever route you decide to go, be sure to do your research and compare prices before committing to anything. There are plenty of resources available online to help you make an informed decision about your cosmetic surgery.
3. Congenital disease/genetic disorder
There are many congenital diseases and genetic disorders that are not covered under health insurance. Some of these conditions include:
- –Achondroplasia
- -Cleft lip or palate
- -Cystic fibrosis
- -Down syndrome
- -Hemophilia
- -Huntington’s disease
- -Marfan syndrome
- -Muscular dystrophy
- -Sickle cell anaemia
These conditions can be very costly to treat, and many families struggle to pay for the care their loved ones need. If you have a family member with a congenital disease or genetic disorder, it is important to research your options and make sure you have the financial support you need.
4. Pregnancy and abortion
Pregnancy is a condition that is not covered by most health insurance plans. This can be a problem for women who want to get pregnant but do not have the money to pay for the costs of pregnancy and delivery. There are a few options available to help with the costs, but they can be limited.
Abortion is also not typically covered by health insurance. This can be a difficult decision for a woman to make, but it is important to remember that there are other options available if you cannot have an abortion. These options may include adoption or continuing the pregnancy and giving birth.
5. Diagnostic expenses
There are a number of medical conditions that are not covered under health insurance. This includes diagnostic expenses associated with the condition. In order to receive coverage for these expenses, the individual must have a diagnosis from a licensed medical practitioner. The diagnosis must be made within the past 12 months and be considered a pre-existing condition.
6. Health supplements
There are many different types of health supplements on the market, and it can be difficult to know which ones are right for you. Some common supplements include vitamins, minerals, herbs, and amino acids. Many people take supplements to improve their overall health or to compensate for a deficiency in their diet. However, not all supplements are covered by health insurance.
7. Health issues related to drugs, alcohol and smoking
There are a number of health issues that can be caused by drugs, alcohol and smoking, and these are not typically covered by health insurance. Some of the more common health problems that can be caused by these substances include liver damage, lung cancer, heart disease and stroke.
If you have any of these conditions, it is important to get treatment as soon as possible to improve your chances of recovery. In some cases, you may need to seek out specialized care from a facility that specializes in treating these types of conditions.
8. IVF and infertility treatments
IVF (in-vitro fertilization) is a process by which eggs are removed from the ovaries and fertilized in a laboratory. The resulting embryos are then transferred to the uterus, where they implant and grow.
Infertility treatments can be very expensive and often are not covered by health insurance. These treatments can include medications to stimulate ovulation, surgery to remove blockages from the fallopian tubes, or intrauterine insemination (IUI), in which sperm is injected directly into the uterus.
Couples who are facing fertility issues may want to consider seeking out financial assistance from organizations such as Resolve: The National Infertility Association or The Fertility Fund. There are also a number of crowdfunding platforms that can help with fertility treatment costs.
Conclusion
There are a number of medical conditions that are not covered under health insurance, which can be a financial burden for those who suffer from them. While some people may be able to get by without insurance coverage, others may find themselves struggling to pay for necessary treatments and procedures. If you have a medical condition that is not covered by your health insurance, it is important to research all of your options so that you can find the best possible care.
