Waiting periods for pre-existing conditions are a sensible guard for insurers, beta, but I always opted for plans with shorter durations—paying more premium for immediate coverage, because when my husband passed, we discovered his policy's four-year wait on his heart condition. The moratorium rule, that after eight continuous years no disease can be excluded, is a safety net I value, but I built my own safety net first: comprehensive coverage from the start, no waiting. In my salon, I see how an unexpected illness can empty savings faster than a monsoon drains the streets, so I never relied on waiting for protections to begin.
#health#insurance
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