Whenever we are getting something important such as a medical card, it will be something we are going to rely on for our medical treatments. It is important to know what we are covered for and what we are not covered for so that we know when we can rely fully on the medical card instead of spending our own money. Having a medical card can bring a whole lot of benefits, if you break your leg or your arm, you don’t have to worry about any medical costs.
But unfortunately, insurance companies do not cover everything. They cover a whole lot of things but not all of it, only several things they do not cover. So don’t let yourself get tricked, read fully your policy to understand, ask questions and never leave any rocks unturned, there will always be something behind it. Take a look at what is not covered by medical card.
Pre-Existing Conditions
Pre-existing conditions is a medical condition that has occured before you, who are the insured have started to receive medical insurance coverage. So if you have a pre-existing condition such as terminal heart condition today, then you decided to get medical insurance tomorrow then the pre-existing heart condition is what is not covered by medical card offered by the insurance company. So this is why you need to get medical insurance early before you start to develop any health problems.
Plastic Surgery
What is not covered by medical card is cosmetics plastic surgery. Think of it this way, medical insurance is to allow you to get the proper healthcare without destroying your bank account. Plastic surgery is something that you want, so think again if you want to get covered by your insurance company for that nose job or chin implant, etc. It will not happen. Plastic surgery is considered to be an optional medical procedure and not a life saving one, so your insurance company will not cover it.
Any Claims Within 30 Days
What is not covered by medical card is immediate protection, like literally. If you think that you can just get yourself medically insured and get covered immediately, then you need to think again because this will not happen. You will need to wait for at least 30 days then you can start your getting covered by your insurance company. This is because they need to safeguard themselves against potential fraudulent activities from the new customers. Depending on your insurance company, this particular duration will change. Again, this is why you need to get medical insurance earlier before the last minute.
Claims Made While Breaking The Law
What is not covered by medical card is any claims made while you’re breaking the law. So if you are robbing a bank, and then you got injured somehow, then there is absolutely no way where you can get yourself covered for this. Insurance company will not cover you if you got injured by breaking the law, unfortunately. Medical insurance is designed to cover you in your time of need, when you get hurt or sick under accidental circumstances.
Dental Trips
Yet another one of what is not covered by medical card is your dental trips. It may be important to visit the dentist every 6 months, but you should not expect to get covered by your medical insurance company. This is similar to plastic surgery, it is a matter of cosmetic expense and not a matter of life and death, so it is important, to know that if the surgery or procedure is done not to save your life, then it will not be covered.
Conclusion
So the next time you think of trying to find a loophole in medical insurance, think again. These are what is not covered by medical card, which you need to take note. If you want to ensure that you will get covered in your time of need, get medical insurance immediately, do not wait until the last minute.
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