Health Insurance Daily Guide

Effective Period
The date health insurance protection begins.

Elimination Period
Specified number of days that you must be eligible for coverage or disabled before the policy begins to pay benefits.

Exclusions and Limitations
Conditions or circumstances in which benefits are not payable or may be limited. Some examples of exclusions are suicide or self-inflicted injuries, injuries resulting from war, on-the-job accidents covered by workers’ compensation, eye or dental treatment, cosmetic surgery, services for which no charge is made, and services that are not medically necessary. Some policies also may place limitations on or exclude treatment of mental illness or substance abuse.

Source: ins.state.pa.us

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