Your health insurance plan does not provide coverage for every medical service, procedure, piece of equipment or drug that a health care provider may decide to use to prevent, diagnose or treat a particular medical problem. If it did, your coverage would be far more expensive.
Your health plan coverage contains certain restrictions designed to help keep your premium affordable. Some of these restrictions are specific contract exclusions (e.g., cosmetic surgery), and some are more general exclusions (e.g., non-coverage of experimental or investigational services, and over-the-counter drugs).
Some emerging technologies, considered experimental or investigational, might not be effective, and some might even harm patients. Sometimes these new technologies are used before there is any medical or scientific consensus that they are safe and effective.
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