What Medical Expenses Your FEHB Plan Doesn't Cover

With rare exceptions, no plan will pay for any of the following expenses and we do not cover them in our comparisons (however, some of these expenses are covered by Flexible Spending Accounts and Health Savings Accounts):

  • Cosmetic or plastic surgery, except after accidents or a disfiguring illness;
  • Custodial nursing home care, or any kind of rest care;
  • Personal comfort items such as telephone or television while in the hospital;
  • Non-prescription, over the counter drugs, such as aspirin;
  • Care that is fully paid by another insurance provider;
  • Care that is not medically necessary;
  • Experimental care (clinical trials are partly excepted);
  • Charges that are higher than the plan "allowance" or what the plan has determined to be "reasonable;" and
  • Expenses incurred before joining or after leaving a plan.