pre-existing condition exclusion

A pre-existing condition exclusion refers to a policy provision that denies coverage for medical issues that existed before the start of your insurance plan. For example, if you had diabetes before obtaining health insurance, any treatments related to diabetes might not be covered. These exclusions are common in many insurance policies and can vary by provider. However, changes in laws, such as those under the Affordable Care Act, have limited the ability of insurers to impose such exclusions in certain types of health insurance plans, ensuring broader access to care for individuals with pre-existing conditions.