Typical California Health Insurance Exclusions
We had a call yesterday from someone who wanted to buy an individual California health insurance policy because he wanted to get into a program for his drug addiction. He obviously does not understand the health insurance policies in California are medically underwritten. Questions about your current and past health are asked. If he did not admit to his addiction on the application and immediately sought care, the insurance company could and probably would cancel his coverage.
Here are some of the most typical exclusions from individual and family plans in California:
Maternity or pregnancy care
Acupuncture/Acupressure
Conditions covered by workers' compensation
Experimental services
Services from relatives
Services that are not medically necessary
Sex changes
Cosmetic surgery
Services primarily for weight reduction
Dental Care
Hearing aids
Infertility services
Private duty nursing
Eyeglasses or contact lenses
Mental and nervous disorders and substance abuse
This is a partial list of typical exclusions. If you have specific questions about pre-existing conditions or details about California health insurance, you can contact us at www.GreenInsuranceServices.com or call 888-475-3131.