| Currently, many major medical insurance policies | | | | experimental treatments that do not yet have |
| state that the costs of experimental, cosmetic, or | | | | validated results. These procedures are generally |
| investigative procedures are not covered. Yet, | | | | referred to as "elective" procedures, deemed so |
| your health plan may actually cover these types | | | | by doctors and insurance providers because they |
| of procedures. You just have to follow a few | | | | are rarely medically necessary. To be considered |
| steps and prove that there is, indeed, medical | | | | medically necessary, the services must be |
| data and justification to warrant coverage for | | | | generally accepted by the medical community, |
| these services. | | | | have proven results, and be relatively less |
| Most health insurance companies choose not to | | | | expensive than alternative treatments. Health |
| cover cosmetic or investigative procedures, such | | | | insurance providers are reluctant to supply |
| as rhinoplasty, because they are typically | | | | coverage for expensive, unrecognized, or new |
| uncommon medical practices or new, | | | | medical treatments. |