Securing coverage for pre-existing conditions is expensive. Defining a waiting period is a common practice. Exclusions Exclusions are the expenses the policy will not cover. Read the policy to make sure that there are no items concerning you in particular. The J-1 regulations require that if a particular activity is a part of the exchange visitor's program, the insurance must cover injuries resulting from participating in that activity.
Some policies also exclude pre-existing conditions.
Dental and vision care are generally excluded. Premium rate Insurance premium rates are determined by actuarial calculations. They should reflect the true medical cost of the eligible pool of applicants. However, only reasonable premium rates can guarantee a stable and reliable coverage without dramatically changing premium or interruption of coverage. Only reasonable premium rates can guarantee responsible service.