Some insurers now exclude or limit coverage for mold, she added.

Find out if the health plan at your new company excludes coverage for pre-existing conditions.

However, a plan may exclude coverage for injuries that do not result from a medical condition or from domestic violence.

One plan excluded coverage for "durable medical equipment," like a ventilator.

No one creating a Medicare program today would even think of excluding coverage for prescription drugs.

Also, be aware that health plans must issue certificates, even if they do not exclude coverage for preexisting conditions.

Such insurance also normally excludes coverage for people guilty of fraud.

If the insurers wanted to exclude coverage for storm surge "they certainly know how to do it," he said.

Many such policies exclude coverage for failure of the organization or person who sells the traveler the policy.

Beginning in September, the new law is expected to stop insurance companies from rejecting children or excluding coverage because of pre-existing medical problems.