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Health Insurance Basics

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Multiple Choice

In almost all medical insurance policies I have seen, there is an "exclusion" for "pre-existing conditions." What does this mean?

  1. When an insurance company decides they don’t like you, they can "exclude" you. Saying "pre-existing condition" makes it official.
  2. There are no benefits for a condition for which you are receiving treatment or have been advised to receive treatment
  3. It means the company will not pay claims for a condition that runs in your family
  4. Both A and C are possible reasons for an exclusion.
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