Diagnostic

Diagnostic refers to tests, procedures, or evaluations performed by healthcare professionals to identify the cause, nature, or extent of a medical or dental condition. Diagnostic services are the foundation of effective treatment, helping doctors and dentists determine the most appropriate care plan. In health and dental insurance, diagnostic expenses are often covered as eligible services when they are medically necessary and performed by a licensed provider.

In medical insurance, diagnostic services include laboratory tests, imaging (such as X-rays, MRIs, and ultrasounds), and specialist consultations ordered by a physician. In dental insurance, diagnostic services include exams, X-rays, and assessments used to detect cavities, gum disease, or other oral health issues. Diagnostic benefits are usually listed separately from treatment services in your plan summary and may be subject to their own limits or frequency rules.

Example:

If your dentist performs a complete oral exam and takes X-rays to check for tooth decay, these services are billed under the diagnostic category of your dental plan. Your insurer may cover 100 percent of the cost for one full exam per year.

What to Watch For:

Check how often diagnostic services are covered, as some plans limit comprehensive exams or imaging to once every 12 or 24 months. In medical plans, confirm whether advanced imaging tests require pre-authorization. Diagnostic tests performed for preventive purposes are often covered differently than those ordered to investigate a specific condition.