In a nutshell, sure. In most circumstances, health insurance will cover some dermatological procedures. Let’s go through some of the more specific issues you might have concerning dermatological coverage, and remember that you can always call eHealth’s support staff or utilize the online chat function to ensure you’re getting the coverage you need.
What kind of health insurance is best for dermatological coverage?
The following are the two primary types of health insurance benefit plans:
- HMOs, or Health Maintenance Organization plans, require you to select a primary care physician who will oversee your care. To see a dermatologist under this plan, you must first obtain a recommendation from your health care physician.
- PPOs, or Preferred Provider Organization plans, often give you access to a broader selection of medical providers and covered services than HMO coverage. You may not need to be referred.
There is no objective “optimal” sort of dermatological health insurance. Understanding your specific coverage is essential for maximizing your potential benefits.
If access to dermatological treatment is important to you, double-check your plan specifics before registering to ensure you have access to and coverage for the care you require.
Is a referral required to see a dermatologist?
As previously said, it all depends on your health insurance plan.
If you have an HMO, you will most likely require a recommendation before receiving coverage for a dermatological appointment.
If you have a PPO, you might not require a recommendation. Some PPO plans demand recommendations, while others do not. The easiest method to find out is to call your insurance company or go over your policy information.
What sorts of dermatologist appointments and treatments are most insurance plans going to cover?
In most cases, medically essential therapies will be paid by your insurance. Your coverage is likely to include the following items:
- Treatment for acne
- Treatment for skin cancer
- Removal of skin cancer
If you’re wondering if your health insurance covers skin cancer tests, the answer is probably yes because they come under the category of “medically essential.”
Which dermatologist appointments or treatments are not covered?
You can expect your health insurance plan to exclude anything that is not medically required. This covers cosmetic procedures such as:
In addition to medically essential and covered services, your dermatologist may provide aesthetic procedures, but they are unlikely to be reimbursed by your health insurance plan.