What does health insurance usuall not cover? most of the time? -

No matter how much you want that nose job, very few plans will cover it -- or any other elective cosmetic surgery. Exceptions occur when the procedure is needed to correct damage caused by accidental injury. Few plans cover hearing aids and eyeglasses. Few plans cover dental procedures unless it becomes necessary due to accidental injury. Some Fee-for-Service plans do not cover routine medical checkups or preventative care. Again, depending upon the plan, prescription drugs might not be covered. Women should also note that some individual plans will cover complications of pregnancy but won't cover normal pregnancy or childbirth. Want to try acupuncture for your hypertension? Procedures that are considered experimental or non-traditional are usually not covered. Mental health coverage is not offered in many health plans and when it is offered the coverage can be limited. Any procedures the health plan determines are not medically necessary will not be covered. Confusion and disappointment of health coverage is usually due to not being educated on how to use it and what it is for. Find a good agent that cares about you, and I promise, it will make all the difference in the world. If you have someone that will explain how it works and help you with it, you won't be as let down by what your benefits are. I used to work in a mental health facility and mental health coverage in general sucks. It is either non-existent or costs more and covers less then other services covered by the policy. Pre-existing conditions Cosmetic Surgery that is not a medically required need. Just to name a couple. Anything that is not medically necessary (ie. cosmetic surgery). IVF is also not covered in most states (it is covered in Massachusetts, however, due to state mandate). Also, pre-existing conditions ARE covered as long as it is a group policy, state funded policy, or the lapse in coverage is not greater than 63 days. Other than that, it really is completely up to the insurer. Many policies do not cover alternative treatments such as acupuncture, but some do.