Health insurance is important for several reasons. It offers coverage for emergencies, illnesses, and medical procedures. Most people have health insurance thinking they could cover the most common medical issues such as cold, flu, or broken bones.

However, the coverages extend beyond the ordinary. It’s a common misconception that health insurance only covers the expected diseases and medical treatments. But in reality, many health insurance policies cover some unexpected diseases that you never thought of.

In this article, we will discuss some of the unexpected diseases or medical conditions that your insurance policy may cover.

1. Mental Health and Behavioral Disorders

Mental health is one of the most important things to take care of in our life. It affects our overall well-being, relationships, and work. Unfortunately, the treatment of mental health is expensive and not affordable for most of the people.

But don’t worry if you have health insurance. Most insurance policies cover mental health and behavioral disorders. Depending on the policy, it covers hospitalization, medication, outpatient therapy sessions, and counseling services.

2. Eating Disorders

Eating disorders are becoming more and more common these days. Eating disorders can include Anorexia, Bulimia, and Binge Eating. Most people think that eating disorder is not a deadly disease, but they are.

Feminine-only policies are more likely to cover eating disorders. Male policies don’t cover it.

3. Autism

Autism is a disorder that affects speech, communication, social interaction, and behavior. Fortunately, many good health insurance policies cover autism. However, the amount of coverage varies depending on the policy.

Some policies only cover part of the treatment while some cover the entire treatment process, including therapy and medication.

4. Infertility Treatment

Infertility is a problem that affects many couples. It occurs when a couple is unable to conceive despite trying for a year or longer.

Fortunately, infertility treatment is not an unusual concept, and most of the health insurance plans cover the cost of infertility treatment. Depending on the policy, they can cover all or a portion of the expenses related to testing, medication, and In vitro fertilization (IVF).

5. Sleep Apnea

Sleep apnea is a condition that affects millions of people worldwide. It’s a condition in which a patient’s breathing stops and starts while they sleep.

It is one of the most common sleeping disorders and is often linked to heart disease, diabetes, and obesity. Fortunately, a sleep apnea test is covered under most health insurance policies as it is considered a medical necessity.

The equipment required for the treatment of sleep apnea, such as Continuous positive airway pressure (CPAP), can also be covered under some insurance plans.

6. Gender Reassignment Surgery

Gender reassignment surgery is an emotionally and physically challenging process for transgender individuals. It is an expensive process that can cost up to hundreds of thousands of dollars.

In many states, insurance companies are required by law to provide coverage for gender reassignment surgery. However, the extent of coverage varies depending on the policy.

7. Cosmetic Surgery After an Injury or Illness

People’s appearance plays a crucial role in their self-esteem and confidence. Cosmetic surgery can help people feel better about themselves by correcting deformities, scars, and birth defects.

Fortunately, many insurance policies include cosmetic surgery costs if they are caused by injuries or illnesses such as breast reconstruction after breast cancer or nose reshaping after an injury.

8. Substance Abuse Treatment

Drug addiction is a severe illness that can have a significant impact on a patient’s mental and physical health. Dealing with addiction can also be quite expensive. That’s why many health insurance policies now cover substance abuse treatment.

Depending on policy, they can cover detoxification, outpatient counselling, rehabilitation services, and inpatient care.

9. Injuries from Acts of Terrorism

Due to the increase in terrorism activities, many of the insurers now include terrorism coverage in their insurance policies.

If you happen to be in a terrorist attack resulting in injury, you may be eligible for benefits such as doctor visits, hospitalization, medication, and therapy sessions.

10. Reproductive Health Screenings and surgeries

Reproductive health screening is an essential aspect of preventive healthcare. It helps in detecting diseases such as breast cancer, cervical cancer, and ovarian cancer early and in planning for pregnancy.

Most insurance policies cover reproductive health screen tests such as mammogram, pap smear, pelvic examination, and infertility. They also cover reproductive health surgery, including the removal of the uterus or ovaries as long as it is medically necessary.

The Bottom Line

Health insurance is not a luxury; it is essential. Don’t hesitate to consider getting a comprehensive policy that covers not only the expected but also the unexpected health issues.

Knowing what your policy coverages are could help you be prepared in case of an emergency.