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Health Insurance Basics
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In almost all medical insurance policies I have seen, there is an "exclusion" for "pre-existing conditions." What does this mean?
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A
There are no benefits for a condition for which you are receiving treatment or have been advised to receive treatment
💡 Explanation:
Pre-existing condition exclusions deny coverage for medical conditions for which you received treatment or medical advice before policy enrollment. This prevents individuals from waiting until diagnosis to purchase insurance. The Affordable Care Act significantly restricted these exclusions for individual and group plans, but the term still exists in other insurance contexts.