Excluded Services/Exclusions and Limitations

One of the most important sections in your certificate of coverage is the section that describes what your plan does not cover. It’s easy to assume that once you have health insurance, you’re golden and you can go see your healthcare provider for whatever you need. Not so fast. Most health insurance excludes certain conditions, prescription drugs, specific types of treatments, non-essential procedures, etc. And not all health insurance is the same. If you have a plan that complies with the ACA, you don’t have to worry about pre-existing conditions and preventive care. However, if you have a non-ACA plan, like short term medical or a limited benefit indemnity plan, then you most likely have a pre-existing exclusion and preventive care is not covered.