Health insurance coverage is complex so clarification is often requested on specific issues. We are pleased to provide that personal assistance as requested.
The most popular supplemental insurance plans include some type of exclusion of coverage for claims that exist prior to the policy. This helps keep premium rates affordable and, of course, discourages members from enrolling immediately prior to receiving planned medical treatment. For Core Health Insurance, that exclusion applies during the first 30 days of a newly issued policy. Other policies will have their own waiting period details.
That exclusion does not apply to claims for accidents or injuries, the types of claims that may require medical treatment.
For a more complete explanation see the coverage details from the online quote page and contact us for clarification on any details.