Will health care reform make it so insurance companies can no longer have exclusions that prevent many people who are paying for insurance from getting the care they need?

Exclusions are medical items and procedures that health insurance companies choose not to cover. They are different than pre-existing medical conditions, for which both the House and Senate health care reform bills would bar insurers from denying coverage. Exclusions can range from certain drugs to some surgical procedures and can vary from company to company. If either bill becomes law, private insurers would not be required to drop or modify their exclusions. It's possible, but not certain, that a government-administered health insurance option would not exclude any procedure or drug.