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Being Aware Of The Conditions Your Health Insurance Policy May Not Coverage

It is important that you deal with a knowledgeable agent because state laws and policies may differ on specific items.  Some items that fall into the common exclusions and limitations might be:

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Pre-existing conditions as defined by your policy and dictated by state law.

- Hernia however the growing trend is to cover the condition.

- Self-inflicted injuries

- Suicide

- War and/or acts of ware that result in injury or death

- Military duty

- Non-commercial air travel

- Injury while committing a felony

- Injury, illness or death incurred while under the influence of alcohol or narcotics

- Cosmetic surgery unless for surgery required as a result of an accidental injury or a congenital defect

- Dental expense, unless resulting from accidental injury

- Vision correction such as eye exams, eyeglasses and contact lenses

- Care provided by governmental facility which is normally covered by the Veterans Administration or by workers compensation

- Sexually transmitted diseases

- Experimental procedures

- Organ transplant

- Infertility treatment and services

- Alcohol and drug abuse treatment

Introduction To Health Insurance

Summary Of Health Insurance Policies

Disability Income Insurance

Standard Medical Insurance

What Your Policy Should Pay For

Additional Coverage Some Policies May Include

Medical Conditions Your Policy May NOT Cover

Comprehensive (Major) Medical Insurance

Traditional Health Insurance Providers

Domestic, Foreign & Alien Health Insurance Providers

Health Maintenance Organizations (HMO's)

Preferred Provider Organizations (PPO's)

Group Health Insurance

Finding The Best Health Insurance Deal For You

Glossary Of Health Insurance Terms