A&H Policy ProvisionsQuestion 44 of 315
Which statement about pre-existing-condition exclusions is correct under current federal and California rules?
a.Pre-existing-condition exclusions have been eliminated for every type of A&H product
b.Major medical plans may no longer use pre-existing-condition exclusions, but long-term care, disability income, and supplemental products still may
c.Only group plans may exclude pre-existing conditions; individual plans may not
d.All individual and group A&H products may exclude pre-existing conditions for two years
Explanation
The Affordable Care Act eliminated pre-existing-condition exclusions on major medical plans (both individual and group). Limited-benefit products outside the major medical market, such as long-term care, individual disability income, and supplemental policies, may still impose them.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)