Common Exclusions in Health Insurance Policies

Does your health insurance policy have you fully covered? You may be surprised that several common exclusions in health insurance policies could leave you footing the bill for certain medical expenses. At The Insurance Outfit in Chester, NJ, we want you to understand what your policy covers and doesn’t.

Here are some of the most common exclusions in health insurance policies:

Cosmetic Procedures

It’s no secret that we live in a society that values youth and beauty. Unfortunately, your health insurance policy will not likely cover the cost of any cosmetic procedures you may want to undergo, such as Botox injections or a facelift. These procedures are considered elective and are not medically necessary.

Non-Prescription Drugs

While your insurance will typically cover the cost of prescription drugs, it is unlikely to cover the cost of any over-the-counter (OTC) medications you may need. If you frequently take OTC drugs for a specific condition, consider getting a supplemental policy that covers these costs.

Deliberate Injuries

If you intentionally injure yourself, your health insurance will not cover the cost of your medical treatment. This includes injuries sustained in a fight or while participating in a dangerous activity. If you are injured due to someone else’s deliberate actions, you may be covered under your policy’s personal liability coverage.

Pre-Existing Diseases (PED)

A pre-existing disease is any condition you have been diagnosed with or treated for before your health insurance policy went into effect. Many policies will not cover treatment for PEDs or may only cover them up to a certain dollar amount. If you have a PED, consider getting a supplemental policy that covers the cost of its treatment.

Get The Right Coverage and Peace of Mind in Chester, NJ

No one wants to find out that their health insurance policy doesn’t cover something they need. At The Insurance Outfit in Chester, NJ, we can help you make sure you have the right coverage for your needs. We offer various health insurance policies and can help you find the one that’s right for you. Contact us today to learn more!