Five, check for exclusions. A policy will list out diseases, conditions and medical services that the policy does not cover. Dental treatment, pregnancy and cosmetic surgery are standard exclusions. It is a good idea to get a list of all that is excluded in the policy you buy. What you can’t do much about is when the policy you buy excludes something at some future point in the policy. One firm excluded a costly cancer injection midway in a policy and people who bought the plan and made a claim were not paid for that injection. The dice is loaded against us, the individual customers of
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