What is an excluded service?

An excluded service is a medical service or goods that are not provided or covered under a health insurance plan. In North Dakota, this includes services such as experimental or investigational treatments, surgery for cosmetic purposes, experimental or investigational drugs, and services that are not medically necessary. These services are excluded from coverage, meaning that the insurance plan will not pay for them. While some services may be covered in certain cases, in general, they are excluded from standard health insurance plans. These services may be covered through other providers, such as private companies, but not under a health insurance plan. Excluded services are an important part of the health insurance law in North Dakota, as they help to define when a plan is responsible for covering a service and when it is not.

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