How Will I Know What My Health Plan Covers?

No health insurance plan covers everything. So before you enroll, take the time to look over exactly what kinds of care are included in your coverage — and what kinds of care aren’t included.

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You can find this in the “Limitations and Exclusions” section of a plan. This section is usually located near the end of the plan brochure. It’s also usually in fine print, and it can be overwhelming to read through it. But it’s worth the effort to make sure you know exactly what kind of coverage you’re buying.

Common exclusions include:

  • Maternity care
  • “Alternative medicine,” such as acupuncture
  • Rehabilitation for drug or alcohol dependence

When you compare health insurance plans with our Instant Quote tool, you’ll be able to download the brochures for any plan you’re considering. It pays to look over the Limitations and Exclusions before you apply.

If you have a pre-existing health condition, your plan may come with additional exclusions when you enroll. These exclusions are often set for a limited period of time, such as one year.

Our other insurance finding tools include the Plan Finder, which matches you with plans that match your desired copayment, coinsurance, and deductible. You can also speak with an agent directly, or compare competitive quotes from multiple agents.