What does include for common medical coverage in companies?
Answers:
vision is usually excluded (except for cataract surgery), as is dental. Most plans exclude cosmetic and other voluntary surgeries. Many plans exclude fertility treatment (but will cover sterilization). Most plans exclude "lap band surgery". Many plans have a limit of how much they'll pay out in a year - $250,000, $1,000,000, whatever. Some plans cover the little nickle & dime office visit, some have a hefty deductible, $5,000 before they kick in.
Some cover prescriptions, some don't.
There IS no "full coverage for all problems." Coverage varies by state and by plan - there IS no "standardized coverage" form like you see on auto and homeowners policies.
Unless specifically included by rider, most group health insurance plans in the US do not include coverage for vision or dental. The exception might be a HMO which sometimes offers a discounted fee type plan as part of the basic package. Always check the "Exclusions and Limitations" paragraph in any benefit booklet.
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