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Each insurance plan is different. And there are many, many plans within BCBS. If you are covered by your employer with BCBS, the benefits and exclusions are decided upon by your provider. Before you make any decisions about your healthcare, you need to go straight to the horse's mouth. If you are already covered by BCBS, call the Member Services line on the back of your card. They can tell you if a certain diagnosis is covered or not. You should have received a benefits booklet at the time you signed up for the health insurance that also explains all the covered benefits and those that are excluded. If you are just shopping for individual insurance, BCBS will determine if you are eligible for any particular procedure, or if you have already had several large claims for a certain illness, they may add a "rider" to your policy that says they won't pay for that particular diagnosis for a certain length of time, if ever. Group health insurance that is employer-provided is usually the most comprehensive.

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