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Just bought an Medical Savings Account eligible insurance policy. Question to insurance agent was is policy valid outside U.S. Answer was "Although it is not specifically stated as an Exclussion, it is general practice that individual Major Medical Policies will cover sickness or injury within the U.S." Aparently the insurance company can unilaterally write their own contract provisions into the contract after the fact. If this is the case then it should also be legal for me to be able to unilaterally void any of the contract exclusions that become "general practice" in future years using the same logic. Anyone have any ideas on this? I don't see how they can exclude something that is not in the contract I've always been under the impression that is why you have a contract in the first place. Thanks!