What does UnitedHealthcare not cover?
UnitedHealthcare outlines specific exclusions and limitations in its health insurance policies, generally declining coverage for treatments, services, or supplies that are deemed experimental, investigational, or unproven for a specific medical condition. Standard exclusions typically encompass cosmetic surgeries or procedures performed solely to improve personal appearance without a documented functional medical necessity, weight loss or bariatric procedures unless specific strict clinical criteria and prior authorizations are fulfilled, and certain alternative therapies such as acupuncture or massage therapy unless explicitly included in a particular employer group plan or benefit rider. Furthermore, routine dental care, adult vision hardware like eyeglasses or contact lenses, and over-the-counter medications are frequently excluded from standard medical plans unless supplemental coverage options have been selected and purchased by the policyholder.
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