When it comes to health insurance, there’s a lot of paperwork involved. While we all know the basic coverage provided, many of us might not take the time to wade through the details. Here are six things you might not know your health insurance covers, depending on your plan:
1. Mental health services
Think services such as psychotherapy and counseling, substance and alcohol abuse treatment, and depression screening.
2. Chiropractic care
Battling chronic back pain and footing the bill? Eighty to 90 percent of Americans will suffer from back pain in their lifetimes—and if you have a medical reason to get chiropractic or massage therapy, your health insurance might cover it.
3. Gym memberships
Because exercise is integral to physical and emotional well-being, more plans are beginning to offer gym memberships. The setups vary—some plans subsidize the monthly fee, pay for a set amount of the membership, or offer a credit toward your monthly premium—so it is worth asking.
4. Diapers for children aged 3+
Diapers for children 3 and older who are not potty trained because of a disability are likely covered by your health insurance plan, as long as they’re prescribed by a pediatrician.
5. Health apps
As part of the movement to encourage exercise and healthy diets, some insurance plans are providing apps designed to suggest healthy food options or allow customers to compare doctors based on price and quality, giving you access to more transparent information than ever before.
6. Hypoallergenic baby formula
Some health insurance plans reimburse the cost of hypoallergenic formula, if it is prescribed by a pediatrician.
