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Alicia Said:

What does university health insurance cover?

We Answered:

My insurance through school covers 100% of anything done at the student health center. I see a doctor there regularly, for diabetic reasons, and get a lot of lab work done - all covered.
They can do just about anything there at the health center, blood work, x-rays, annual exams, gyno stuff... and if you need to see a specialist, they will refer you - which is like being in network.
Outside of the health center, I have a $200 deductible per semester. In the last two years, I've used my insurance extensively - and haven't paid anything out of pocket other than that deductible.
Prescriptions are not covered...
I was not happy in the beginning that I was required to keep the school insurance, I thought it was a waste of money - but now, I would certainly recommend it to everyone. Use it!
Good luck

Steven Said:

Will health insurance cover my pregnancy if hubby and I purchase it now and get pregnant in 2 months?

We Answered:

Yes, generally medical plans consider pregnancy a preexisting condition so you will want to buy the policy well in advance before getting pregnant.

However, if you are already pregnant and buy the policy it will probably be excluded. There may be an exception, but that is not likely.

Please be absolutely sure you read the policy you are going to buy and look out for any exclusions or limitations regarding pregnancy so you are well informed and are able to make a good decision.

Hope this helps.

Lester Said:

Does health insurance cover laser hair removal for medical reasons?

We Answered:

I seriously doubt it since that part of your condition is cosmetic.

Are you taking any medication for your PCOS?

I am taking metformin and am on a weight loss program. My dr. told me that once everything stablizes the hair growth and periods will normal out

Lisa Said:

Would basic health insurance cover a 24-hour jaw splint from an orthodontic specialist?

We Answered:

Usually medical insurance does not cover dental services except from an injury. You have to see a TMJ dental specialist.

Jackie Said:

what is the health insurance to cover penile implant surgery or penile vascular reconstruction surgery?

We Answered:

I doubt there is any that will cover it. They will probably consider that cosmetic surgery and most insurance companies won't cover that.

I used to work in a pharmacy and most insurance companies won't even cover Viagra or any of the other brands for erectile dysfunction.