What’s Covered

Does health insurance cover eye exams? Medical eye exams usually are; routine exams for glasses need vision coverage. What kids, adults and Medicare get.

Does health insurance cover surrogacy? Rarely in full. What might be covered, how to check a surrogate’s plan, baby coverage and tax rules.

Will insurance pay for an MRI? Yes, when your doctor orders it, but most plans need prior approval. What you’ll pay and how to lower the…

Will health insurance pay for an X-ray? Yes, when your doctor orders one. How deductibles and coinsurance affect your cost, plus ways to pay less.

Does health insurance cover prescription drugs? Yes, through each plan’s formulary. How drug tiers work, what to do if a drug isn’t covered, and Medicare.

Does health insurance cover physical therapy? Usually, when it’s medically necessary. Visit limits, referrals, what you’ll pay, and Medicare rules.

Will health insurance cover blood tests? Yes. Some screenings are free; other lab work counts toward your deductible. How to avoid surprise lab bills.

Does health insurance cover long hospital stays? Yes, and your out-of-pocket max caps what you pay. What to expect, observation status, and Medicare costs.

Will health insurance cover an ER visit? Yes, without prior approval and at in-network rates even out of network. What you’ll pay and how to fight…

Does Obamacare cover vision? Children’s eye exams and glasses are covered; adult vision usually isn’t. What’s covered, what isn’t, and your options.