Why find out the treatments your policy considers experimental?

Before you sign up for a health insurance plan, you should ask do some research on the insurance company and find out what the plan covers. As part of the latter, you need to know what kind of treatments the plan considers experimental. After all, if this health insurance plan won't cover an expensive, lifesaving procedure that most other plans will, you should know that up front.

Generally, government approval for the treatment is the litmus test. That means U.S. Food and Drug Administration (FDA) and Centers for Medicare and Medicaid Services (CMS) have agreed that the procedure is worthy. But seeing if other major insurers in your area are covering a procedure is an excellent means to test the waters of eligibility, because our government agencies often take years to formally evaluate a new procedure.

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