Covered
Oscar Health covers a wide range of healthcare services that cater to the needs of individuals with allergies. For allergy sufferers, the insurance plan typically includes coverage for physician visits, diagnostic testing to identify specific allergens, prescription medications to alleviate symptoms, and allergy immunotherapy. Immunotherapy, which can come in the form of allergy shots or sublingual tablets, is designed to desensitize the immune system to allergens over time, reducing the severity and frequency of allergic reactions. Emergency care for severe allergic reactions, known as anaphylaxis, is also covered. Moreover, coverage often extends to pre-authorization required treatments, demonstrating Oscar Health's commitment to providing comprehensive care tailored to allergy management.
Uncovered
Under Oscar Health plans, certain treatments and situations are typically not covered. These exclusions often include cosmetic surgeries, weight loss programs not deemed medically necessary, over-the-counter medications, and experimental treatments whose efficacy is unproven. Dental services, except for accidental injuries to sound natural teeth, are also excluded, alongside routine foot care without the presence of underlying conditions. Services received from non-network providers without prior authorization may not be covered except in emergency scenarios. Fertility treatments like in-vitro fertilization can be excluded, as could elective abortions or elective sterilizations depending on individual plan specifics and state regulations.
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