What are Insurance Exclusions?

Insurance exclusions are specific conditions, treatments, services, or circumstances that your health insurance policy does not cover. Common exclusions include cosmetic procedures, experimental treatments, alternative therapies, and services received outside the plan's network without authorization. Exclusions are detailed in your policy documents and understanding them is crucial to avoid unexpected medical bills.

Why insurance exclusions matter

• Affects out-of-pocket costs: You're responsible for 100% of costs for excluded services
• Impacts treatment decisions: Knowing exclusions helps you make informed choices about care options
• Prevents surprise bills: Understanding what's not covered helps avoid unexpected financial burdens

How Solace can help

A Solace advocate can help you review your policy exclusions, identify alternative coverage options for needed services, and explore ways to obtain excluded treatments through other programs or resources. Advocates can also assist in determining if a service is truly excluded or if exceptions might apply.