A cheap health insurance quote can make you think you are getting a great deal on your health insurance policy. But when you use the insurance, you don't want to find that you have a denied claim. So before you buy the policy, you should know what the limitations and exclusions are for that policy.

A claim may be denied if you are receiving care for a pre-existing condition. A pre-existing condition is a medical condition for which you were diagnosed, received treatment, or were prescribed medication during the 12 months before the policy took effect. When the insurance company receives a claim they may request a claim form from the insured asking them if they were treated for this condition previously. They will likely also request information from your doctor to verify the date that your condition was diagnosed. If they determine that the condition is pre-existing then that claim for treatment of that condition would not be covered for the first year of the coverage.

A denied claim can also be the result of the exclusions in the policy. A cheap health insurance quote may be for a policy with excessive exclusions. Many policies exclude experimental procedure or medication, cosmetic surgery, circumcisions, birth control, pregnancy termination, behavioral problems and learning disabilities. Although most policies have some coverage for mental health care not all do or if they do the benefits may be very limited. Some plans don't coverage certain medical equipment even when your doctor prescribes it.

The insurance company may deny a claim that the insured assumed was covered under his health insurance plan. Some services are covered under policies that must be purchased separately. Dental and vision care are obvious examples. Even though your teeth and eyes are part of your body services are not covered under health insurance. Many people who have health insurance assume it will cover nursing home care or home health care. However a separate policy called long term care insurance must be purchased to cover these costs that are normally due to the patient not being able to take care of themselves.

Your doctor may recommend massage, yoga, or acupuncture but that doesn't mean that when you turn those expenses into the insurance company that you won't end up with a denied claim. Many insurance companies exclude alternative care. Over the counter medications including herbal medications are usually excluded as well.

A cheap health insurance quote is only a good policy to buy if it provides that coverage that you need and expect. Compare quotes carefully and ask any questions that you have so that you end up with the right health insurance policy for your circumstances.