Some supplemental policies wait before they pay for certain conditions. Some limit benefits for a condition you already had. Those rules are in the contract, not in a Marketplace regulation.
Example: a policy might wait 30 days for illness but pay sooner for an accident. That shape is illustrative. Your outline of coverage is the list that pays.
Ask your licensed agent to read the waiting period page before you assume a hospital stay is covered. This page is not state specific legal advice.
FAQ
Short answers you can use on a call with your agent.
Is this the same as a Marketplace waiting period?
No. Marketplace medical plans have different rules. Supplemental waiting periods live in that contract. Your licensed agent reads the outline of coverage.
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