Surprising Things Your Insurance May Cover

Health insurance can be very expensive. It’s important to make sure that you make the most of the policies that you’re paying for by knowing what is and isn’t covered under your policy. There are many people who assume that their policy only covers basic medical care, but that isn’t always the case. In fact, you may be surprised by what your policy could cover.

Chiropractic Care

If you have had an injury, surgery, migraines, or a plethora of other medical conditions, you may be able to get your insurance company to pay for chiropractic care. Chiropractic care has been shown to be very beneficial in treating many different conditions and can often be a great way to avoid surgery or having to take medications on a regular basis.


Acupuncture is another procedure that many people don’t realize health insurance can cover the cost of. Chronic pain, arthritis, headaches, respiratory disorders, and even digestive issues can all be treated with acupuncture. It’s important to go to a trained and licensed acupuncturist to get the proper care that you need, though. You don’t want someone poking you with needles if they don’t know what they’re doing.

Dietary Planning

Being able to eat a healthy, well-balanced diet, isn’t always easy to do. If you have a health condition that requires you to eat a specific diet, . The insurance company will pay for the meeting with the dietician, but not the cost of the food, so it’s important to let the dietitian know if you’re on a budget so they can establish a plan that is affordable and healthy.

Gym Membership

Some insurance companies provide compensation for gym memberships for their clients. You need to talk to an insurance agent to find out what the stipulations are when it comes to the membership options they offer. Most companies require you to be a senior citizen to qualify for a gym membership and often limit you to only certain gyms within the area, mainly because they have reached a deal with the gym so that they pay a discounted rate for all of the memberships that they purchase.

Drug Addiction Rehabilitation

An addiction to drugs can quickly take over your life. It can cause you to develop major medical conditions that would be very expensive for insurance companies to pay to treat. For this reason, many insurance companies cover drug rehab treatment. Each insurance company does it a little differently though. For example, if you live in California, your insurance may have you looking at different Nevada drug rehab options as they cover out of state treatment, while if you live in Texas, they may only have you look at Texas drug rehab options. There will also be limitations on the type of treatment and duration of treatment they will pay for so it’s best to talk to an agent before signing up at a treatment facility for the care that you need.

Custom Orthotics

If you have painful or injured feet, you may be able to have custom orthotics created to help minimize the pain that you feel. The insurance company will cover the cost of the orthotics creation if you have a doctor state that they’re a medical necessity. Orthotics are often great for anyone with feet, knee, hip, or back pain. They’re also great for diabetics because it can help with blood circulation in their feet.

Transportation to/from Medical Appointments

If you aren’t able to get yourself to and from medical appointments, contact your insurance company and ask if they offer any form of transportation assistance to their policyholders. There are many times when the insurance company will offer transportation to and from surgeries, cancer treatments, and any other major medical procedure that leaves you unable to drive. You need to arrange for the transportation well in advance so that the company can schedule to have someone come to get you on the date and at the exact time you need them to be there.

Over-the-Counter Medications

If you have certain over-the-counter medications that your doctor has told you to take, but you can’t afford to pay for, you may want to ask your doctor to write a prescription for you to get them. This allows the insurance company to pay for a portion of the medications that you need and reduces the out of pocket cost for them. The cost you end up having to pay is often a fraction of what you would have paid for them over the counter.

In-Home Care

If you aren’t able to take care of yourself after an accident, injury, or surgery, the insurance company may pay for you to have an in-home caregiver to come and help you while you recover. You’ll need to prove to the insurance company through medical documentation that you aren’t able to care for yourself properly. The company will only provide you the service for a limited amount of time, so it’s important to work on your recovery as diligently as you can.

If you feel that any of the options listed above is right for you, you need to go to see your doctor and have them write out an order to your insurance company stating that the care is a necessity to help with your recovery or health and wellbeing.

The insurance company can deny any claim, but most are willing to work with you if they see that a doctor has claimed it as a medical necessity for you to be able to live as functional of a life as you can. You may be put on a waiting list for the care, so see a doctor as soon as you can so you can get the ball rolling much more quickly.

Categories: Health

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