With prices in every industry rising throughout the decade, there
is no doubt that insurance rates of all kinds are reaching
frightening heights as well. However, the increased rate of
health insurance doesn't mean you should not agree to have it
anymore.

When it comes to the coverage of checkups, illnesses,
emergencies, or prescriptions, the costs your health insurance
covers saves you lots of money in the end.

As good and as important it is to have health insurance for
yourself and your family, there are always the exceptions. No
matter what plan you have and how much it covers, there may be a
time in your life when you go through treatment or have a medical
condition in which your health insurance policy will not take
care of. Usually these exceptions to your insurance deal with
plastic surgery, however, a different situation may arise.

When you have your insurance plan, whether you took notice of it
in the beginning or not, there are "excluded treatments"
outlined. When seeking a treatment that your insurance company
says they cannot cover, the first thing you should do is read
over your policy.

If what you want or need done is not listed in the "excluded
treatments," you should contact the company your insurance is
with and ask them about their reasoning behind it. Not all of
the time, but in some scenarios, talking to the insurance company
and your physician will help you get consent to go on with your
treatment or surgery.

When things do not work out how you wanted and you do not get
approval for your treatment or surgery, there isn't much you can
do. If you decide to still go on with your treatment you will be
compelled to pay for everything yourself. Not everyone has the
money for expensive treatments or surgeries these days, and if
you do not want to give up the fight, you can continue to appeal
your insurance company's decision.

In order to follow through with an appeal, you must do all the
steps correctly. Most companies are dealing with tons of
consumers, and would rather make an exception for your need
rather than take the time to handle the appealing process.

If all fails, there are only a few options to offer before you
decide to have nothing taken care of, or decide to pay the full
price. When all is said and done and you are out of hope, try
asking your doctor to lower the payment or if you could work out
a plan so you do not have to pay it all at once. If there is no
hope there either, take some time to look up other doctors and
see if you can negotiate a lower price with someone different.

Lastly, this does not apply to all, but you can check to see if
you are able to get free treatment at a public clinic. For some
unfortunate ones, none of these options could work. However, if
you feel you have the time and venture, you should be able to get
what you want or need done at a reasonable price.