Common Health Insurance Coverage Gaps
These hidden gaps leave thousands of policyholders underprotected
Out-of-Network Costs
Emergency care at out-of-network hospitals can leave you with massive bills.
Potential Loss: $10,000 - $100,000+
Specialist Referral Requirements
Seeing a specialist without proper referral may not be covered.
Potential Loss: $500 - $5,000
Prescription Tier Gaps
Brand-name medications on higher tiers can cost significantly more.
Potential Loss: $1,000 - $10,000/year
What We Analyze in Your Health Insurance Policy
Our AI reads every page of your policy document and identifies exactly what you're covered for, what you're not, and where the gaps are.
- Deductible amounts and structure
- Out-of-pocket maximum limits
- Network restrictions and out-of-network costs
- Prescription drug tiers and formulary
- Pre-authorization requirements
- Mental health and substance abuse coverage
AI-Powered Analysis
Get results in seconds, not hours
Frequently Asked Questions
What's the difference between deductible and out-of-pocket max?
Your deductible is what you pay before insurance starts covering costs. Your out-of-pocket maximum is the most you'll pay in a year, after which insurance covers 100%. Both reset annually.
Why does my health insurance require pre-authorization?
Pre-authorization is insurance company approval required before certain procedures, medications, or specialist visits. Without it, the service may not be covered even if medically necessary.
How do I know if a prescription is covered?
BeCovered identifies your plan's formulary structure and tier system. We highlight if common medications may have high copays or require step therapy.
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