Treatment

Treatment refers to any medical, dental, or therapeutic care provided by a licensed healthcare professional to diagnose, manage, or improve a health condition, injury, or disease. In the context of insurance, treatment includes all services, procedures, medications, and interventions that are deemed medically necessary to restore or maintain health. It can range from routine doctor visits and prescription drug use to surgery, rehabilitation, and specialized therapies.

Insurance plans use the term “treatment” to determine eligibility for reimbursement. Covered treatments must be performed or prescribed by an approved provider, such as a physician, dentist, or paramedical practitioner. Some policies require pre-authorization for certain procedures or impose waiting periods before specific treatments are covered. The cost of treatment may be subject to deductibles, coinsurance, or annual maximums depending on the plan design.

Example:

If your dentist fills a cavity or your physiotherapist provides therapy sessions for a back injury, both are considered treatments. Your insurance plan reimburses a portion of the cost based on your coverage for dental or paramedical services.

What to Watch For:

Ensure that treatments are prescribed and performed by licensed professionals recognized under your plan. Some insurers distinguish between medically necessary and elective treatments, covering only the former. For expensive or ongoing care, request pre-authorization to confirm coverage and avoid claim denials.