by Guest » Mon Feb 15, 2010 09:18 am
Someone had called me to offer Health insurance over the phone. The person didn't seem interested to explain what's not covered under the policy. It will help if someone explains the plan exclusions.
Posted: Fri Feb 19, 2010 07:14 am Post Subject:
Behavioral complications and certain kinds of surgeries are also excluded. Cosmetic surgeries and surgeries related with sex change or breast removal are not covered.
Posted: Fri Feb 19, 2010 07:53 am Post Subject: Health insurance.
Health insurance often do not provide coverage for alternative and complementary medicine. These types of medicine include acupressure, acupuncture, massage, yoga and biofeedback. Abortion is also generally excluded. So check with your policy before you opt for one.
Posted: Tue Feb 23, 2010 05:45 am Post Subject:
Certain medical treatments that are conducted on an experimental basis are excluded. Likewise certain prescribed as well as non-prescribed drugs are also excluded.
Posted: Wed Feb 24, 2010 12:56 pm Post Subject: Health insurance exclusions
Some health insurance policies do not cover any illness within 30 days of commencing a policy, except injury arising out of accident.
Posted: Thu Feb 25, 2010 03:29 am Post Subject:
Veronica said:
Some health insurance policies do not cover any illness within 30 days of commencing a policy, except injury arising out of accident.
Excellent point. Many individual medical expense contracts will not cover illnesses for a period of time after the effective date of coverage. This is generally referred to as "probation" and is commonly 7-60 days with 30 days being pretty typical. This waiting period will also apply upon lapse and any subsequent reinstatement. Normally, the probation period allowed by statute is 10 days following reinstatement. You rarely see this in group contracts, but it does exist. The exclusion only applies to illnesses and not to accidents as Veronica noted. The theory behind the waiting period is to prevent adverse selection; a person might easily buy a policy simply because they either know or think something is medically wrong with him. You might know if you're ill, you don't know you're going to get into an accident, hence coverage for injuries and not illness.
Also, some states allow up to a 10-month probation period for maternity. There's another important thing about these probationary periods that should be noted. Say for example that a policy had a 30-day probationary period for illness and the insured suffered a heart attack on the 28th day. The policy will NOT cover the medical expenses associated with the heart attack on the 31st day- the language for these provisions state that "any illness occurring during the policy's stated probationary period will not be covered regardless of the length or cost of that illness even if the illness extends beyond the probationary period."
Good point Veronica.
InsTeacher 8)
Posted: Thu Feb 25, 2010 12:37 pm Post Subject:
Thanks InsTeacher... :)
Posted: Sun Aug 18, 2019 02:50 am Post Subject: ukraine wife
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