What does health insurance cover?

In North Carolina, most health insurance plans cover a range of medical services, including doctor visits, hospital care, preventative care, prescription drugs, and mental health services. Depending on the plan, coverage can also include specialists visits, lab tests, imaging (like X-rays or MRI scans), and durable medical equipment. Preventative-care services—such as check-ups, screenings, vaccinations, and counseling—are also covered and may even be free of cost, depending on your insurance plan. Most plans also cover emergency services, including ambulance transport and emergency room visits. However, these may require a higher co-pay than other services. Some insurance plans may also offer additional coverage for specific services such as vision, dental, or chiropractic care. Not all plans provide these services, so it’s important to check with your insurance provider to determine what is and is not covered. It’s important to note that the exact services covered by health insurance can vary depending on the type of plan, so always double check with your insurance provider. Also, if you are visiting a provider who is not in your insurance network, you may be responsible for additional costs.

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What does health insurance cover?

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