Riders in Health Plan
When you apply for health insurance, you’ll answer a long series of questions about your medical history. If you have a current medical condition, your plan will include a rider that limits your coverage for care related to that condition. Usually, that limitation will be in effect for a year.
Here’s an example: let’s say you have a back injury when you apply for coverage. The insurance company will likely accept your application — but they also might include a rider on your plan that limits your coverage for treatment related to your back injury. This limitation, or exclusion period, will probably be in effect for a year. After the exclusion period, any medical services related to your back injury will be covered normally under the terms of the plan.