What Does Exclusions in Medical Benefits Group Health Insurance Mean?
Exclusions in medical benefits group health insurance are restrictions in coverage for certain situations, treatments, procedures, etc, in a group health insurance plan. A group insurance plan is a health insurace plan that is provided to a group of people, such as employees of a company, as opposed to just one individual.
Insuranceopedia Explains Exclusions in Medical Benefits Group Health Insurance
There can potentially be many exclusions in medical benefits for a group health insurance plan. Some of these exclusions can include dental work, alternative medical treatments, such as acupuncture or reiki, and others. Whether or not a particular treatment, prescription, procedure, etc., is covered depends on the individual group health policy. Employers often try to make their group health plans cover many different things in order to make the policies attractive to prospective employees. However, exclusions are still very common.