California Health Insurance – Major Medical Insurance without Exclusions

Insurance often seems like a labyrinth of confusing details of what the plan will not cover instead of a clear cut plan of how to help consumers with their medical care costs. While health insurance can be complicated, it does not have to be overwhelming. With some research and questions, consumers can understand health insurance and choose a plan that works for the family. One of the important points to consider when choosing a health insurance plan is the presence of riders and exclusions.

This is often a challenge for the consumer seeking coverage. Riders and exclusions often mean some necessary coverage will not be included or will be covered on a lower level. Most insurance policies have lesser coverage for specific procedures or illnesses. Riders and exclusions are found in every single health insurance plan out there. It is not possible to find health insurance coverage that will cover every condition or illness without limitations or exclusions. These are the exceptions that limit coverage and save the health insurance customer money in several ways.

Pre-existing conditions, this is the case of injury or illness that was present before the insurance coverage went into effect. Sometimes these conditions can be covered at a later date, but most often they are completely excluded from the plan. Insurance plans try to control their costs by the use of riders and exclusions. Exclusions are the case in which some procedures or conditions are not covered whatsoever by the plan. The most common exclusions found in many health plans are.

Cosmetic surgery, unless cosmetic surgery needed as a result of a congenital birth defect or injury caused by an accident, it will not be covered by the insurance. Alcohol and drug abuse treatment used to, insurance companies did not cover substance abuse treatment at all. Nowadays it depends, for some insurance plans will. Experimental procedures, new and cutting edge experimental procedures that have not been proven to be safe and effective enough as of yet are not covered under most insurance plans.

Insurance plans are standard language as per state law dictations. If any changes are to be made or additional coverage is to be added, this is called a rider. Riders are typically printed up on another sheet of paper and attached to the original health care plan. While riders and exclusions are typically present on all health Plans, they do sometimes vary from time to time but not often. It pays to thoroughly check out the riders and exclusions before purchasing a health care plan

Sean L Johnson is a journalist for Health Insurance Buyer a referral service that connects consumers to the insurance carriers that can best fit their wants or special needs. Click on link and start your rate quote comparison and save on california health insurance