There is an incredible variety of health insurance products available from different insurance providers. Price can be one of the deciding factors in choosing. However, it should not be the only one.
If you know what is excluded from your health insurance, you can purchase a policy that fits your situation. Therefore, don’t choose a policy based on price alone.
Pay attention to the exclusions in your policy, as these are the very things that can end up costing you money. To help you decide, here are six of the most common health insurance exclusions.
You may think that cosmetic surgery is essential, and in some circumstances, it can be. However, many health insurance companies consider procedures such as botox, liposuction, facelift, etc. to be non-essential.
Therefore, if you intend to have such procedures, you should check your existing insurance coverage to see what is covered. You may need to change your policy or purchase special coverage.
You should check your policy carefully to see if it covers pre-existing conditions and, if so, which ones. This is because there are differences between insurance providers in this area.
For example, high blood pressure is a pre-existing condition that is covered by some insurers but excluded by others. Similarly, some insurers cover pre-existing conditions if you keep the policy for a certain period of time.
In most cases, coverage for pre-existing conditions involves paying additional premiums.
Pregnancies and abortions
The costs of a pregnancy or abortion are not covered by health insurance. Even if you need an emergency C-section, you will not be reimbursed for the cost because insurance does not consider pregnancy to be an illness.
In the case of abortion, insurers only provide coverage if the abortion is performed to save the life of the mother.