What benefits might be excluded from my health plan?
Pre-existing conditions are also often excluded from a health plan. These are your illnesses or health conditions prior to buying your health plan or the time your health insurance coverage takes effect. In general, insurance companies exclude pre-existing conditions for a minimum of six months to a year after you have bought your health plan. In some insurance companies, excluding pre-existing conditions depend on your health plan’s provisions for insurance portability. Answer by admin — May 23, 2009 @ 11:49 am 2 CommentsLeave a comment |
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The usual benefits that might be excluded from your health plan include mental illnesses and psychiatric care, substance abuse, alcohol and drug-related problems, suicide attempts, cosmetic surgery, dental coverage, vision care, drug prescriptions, and preventive healthcare. It might also exclude any reimbursements that you need to make through a Workers’ Compensation insurance program.
I thought Medicare services and insurence covered previous conditions.
Comment by Sara Jones — July 1, 2009 @ 5:28 pm
This depends on your previous and continuous creditable coverage. If you have not had prior coverage, the insurance companies will place a waiting period on paying benefits toward pre-existing conditions.
Comment by Moderator — July 1, 2009 @ 6:23 pm