Sunday, 20 April 2014

How medical health insurance is considered in diagnostic tests?

Today, we will discuss about various tests - diagnostics & laboratory - and how those are believed in medical health insurance quotes.


Diagnostic x-ray, laboratory, and other diagnostic tests, including materials and the services of technicians are covered. A few examples of other diagnostic tests are basal metabolism readings, electroencephalograms, electrocardiograms, respiratory function tests, cardiac evaluations, allergy, otologic evaluations, and psychological tests. Regarding diagnostic x-ray services and other diagnostic tests payment may be made only when the services are furnished by a physician (so when incident to a physician's services).

Coverage of Portable X-Ray Services Not Beneath the Direct Supervision of your physician

1. Diagnostic X-Ray Tests. - Effective January 1, 1968, diagnostic x-ray services furnished by a portable x-ray supplier are covered under medical care insurance when furnished in a location of residence used as the patient's home and in non-participating institutions, where in fact the services are performed beneath the general supervision of a physician and certain conditions relating to health and safety are met.

Effective April 1, 1968, diagnostic portable x-ray services are covered under medical care insurance in participating ECF's and hospitals when these services cannot be covered under hospital insurance, e.g., the patient is not entitled to Part A benefits. This might have changed now. Pl heck up with your insurance consultant.

2. Applicability of Health and Safety Standards. - The health and safety standards connect with all suppliers of portable x-ray services except participating hospitals and extended care facilities and physicians who provide immediate personal supervision during the taking of such tests.

3. Scope of the Portable X-Ray Benefit. - To avoid providing reimbursement for services which are inadequate or hazardous to the individual, the scope of the covered portable x-ray benefit is defined as:

(1) skeletal films relating to the extremities (i.e., legs and arms), pelvis, vertebral column, and skull;

(2) chest films which do not involve the use of contrast media (except, of course, routine screening procedures and tests in connection with routine physician examinations) ;

(3) abdominal films which do not involve the usage of contrast media.

PART 2 - X-RAY, RADIUM, AND RADIOACTIVE ISOTOPE THERAPY These services likewise incorporate materials and services of technicians.


Surgical dressings include therapeutic and protective covering for lesions either on your skin or opening to your skin required as the consequence of a medical procedure performed by a physician. Surgical dressings are usually applied first by a physician and are covered under Part B as incident to a physician's professional service ( § 204 1 . However, dressings could be reapplied by others including the patient or perhaps a member of his family.

When surgical dressings are obtained by the individual on a physician's order from a supplier, e.g., a drugstore, the surgical dressing is covered under Part B. Dressings required for purposes apart from a surgical lesion, e.g., bedsores, aren't covered. A colostomy bag and necessary accoutrements necessary for its attachment are covered as a surgical dressing. However, irrigation equipment and supplies used in treating a colostomy condition are not covered under this section. Splints and casts, etc., include dental splints.

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