One of the most important insurance tips to take note of when evaluating health plans is to take a close look at what it does not cover. Frequently, most policyholders assume that once health insurance is purchased, all health care costs are covered or partially paid. This is, unfortunately, too good to be true. This is where health insurance exclusions come in. Health care exclusions are the health care services that are not covered by the policy. Therefore, be careful with those overly cheap plans. They may carry too much of them. It is very essential to familiarize oneself with the exclusions of a health insurance plan.

Insurance tips will also advise you to compare different policies. This is very important since there are health insurance exclusions that may be covered by some insurers and not by others. Here is a list of common treatments or services that are not payable under the majority of most health insurance plans.

One common type of health care exclusion involves hospital stays. The use of a hospital room, TV, telephone, and even extra pillows are typically excluded from one's health coverage.

Treatment and care for pre-existing diseases are also excluded in the coverage. A pre-existing disease refers to a medical condition that an individual may have had prior to the purchase or commencement of the insurance policy. This exclusion also includes any complications that may arise in the future, as a result of the pre-existing disease. Private nursing and home care expenses are also excluded from the coverage.

Unfortunately, there is exclusion of coverage for those suffering from learning and behavioral problems such as dyslexia and ADHD. Such conditions are excluded from the coverage since patients will require long term care. There is however, increasing awareness about these conditions and some health care companies are responding by partially excluding the conditions and providing coverage for the medications needed to manage them.

It is probably common knowledge that cosmetic procedures are often not covered by health insurance. Examples of such surgeries include face lifts, nose jobs, and tummy tucks. There are a few surgeries however, those that are in response to certain medical conditions that are covered. Examples are skin grafts for burn patients, nose jobs for a deviated septum, and breast reconstruction procedures for mastectomy patients. Abortion is also commonly excluded due to its political impact which may be even greater than its health consequences.

Complementary or alternative medicine is typically not covered by health plans. Alternative medicine is commonly used as a substitute per se, to conventional medicine while complementary medicine is composed of procedures that are used in conjunction with conventional medicine. Examples include yoga, acupuncture, and acupressure.