Understanding exclusions up front prevents surprises later. While every carrier differs, these are the most common limits.
Common exclusions
- Pre-existing conditions during an initial waiting period
- Cosmetic or elective procedures
- Injuries from illegal activity
- Stays that are not medically necessary
Waiting periods
Some plans have a short waiting period for illness, while accidents are often covered immediately. Ask the agent to show these terms in writing.
Always read the Outline of Coverage. It summarizes benefits, limits and exclusions in standard language.
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This article is for general information and is not insurance or legal advice.
