...，从数天至数年不等，通常可报销在美期间发生急病时看医生门诊、住院、处方药、化验检查、牙科急诊等费用，但不包含投保前已存在的疾病(Pre-existing conditions)和相关并发症，例如高血压、糖尿病等，也不包括怀孕生育相关的医疗费用。
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消费者报导杂志指出，与普通的人寿保险相比，这类保险保费昂贵，还常常被保险公司以「已存在疾病（pre-existing conditions）或未达到「完全伤残（totally disabled）的理由拒绝赔付。
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当保险公司因为已有旧病（Pre-existing conditions）的原因而拒绝理赔时，往往不能被申请人理解。因为医疗和健康是一门复杂的科学，界定疾病的病因和严重急缓也很复杂。
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People with some pre-existing conditions may not be suitable for this treatment.
人与一些预先存在的条件可能不适合这种治疗。
The bill would also stop insurers from denying coverage to people with debilitating pre-existing conditions.
该议案还将制止保险企业拒绝对身有病疾的人提供保险服务。
And while we agreed that Americans with pre-existing conditions should be able to get coverage, we disagreed on how to do that.
另外当我们都同意那些有先决条件的美国人也应该纳入保险范围时，在解决方法上却又不能达成一致。
Adults with pre-existing conditions will be added in four years.
VOA: special.2010.03.24
Under the House bill, the prohibition on denying coverage would begin one year earlier in 2013, with similar prohibitions on higher premiums based on pre-existing conditions or gender.
VOA: standard.2009.12.25
But some take effect quickly. For example,in six months the new law will bar insurance companies from denying coverage to children with pre-existing health conditions.
VOA: special.2010.03.24
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