What is an exclusion clause?

An exclusion clause is a type of contractual language used by health insurance providers in North Carolina that details what types of healthcare services or products will not be covered by a health insurance policy. It is important to review an exclusion clause before signing up for a health insurance plan to make sure that any medical services or treatments that you may need or expect to use will be covered by your policy. Exclusion clauses may be based on medical conditions, procedures, treatments, services, types of healthcare providers, and other criteria specific to the insurance policy. It is important to check for exclusion clauses in all health insurance policies because the types of services or treatments that are not covered can change from plan to plan. Exclusion clauses may be broad in scope and cover a wide variety of services or treatments, or they may be more specific and only apply to a few services or treatments. In either case, it is important to read the exclusion clause carefully to fully understand which services or treatments will not be covered by your health insurance policy.

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