How strict are insurance companies regarding past therapy visits when determining your monthly premium and potential exclusions for mental health disability coverage?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How strict are insurance companies regarding past therapy visits when determining your monthly premium and potential exclusions for mental health disability coverage?
3 real searches · 1 real-search pass
individual disability insurance mental health history therapy visits underwriting premiums exclusions lookback period USGoogle ↗
OBSERVED
California Department of Insurance disability income insurance mental health pre-existing condition exclusions underwriting individual disabilityGoogle ↗
OBSERVED
NAIC disability income insurance underwriting mental health history therapyGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
individual disability insurance mental health history therapy visits underwriting premiums exclusions lookback period US Google ↗
California Department of Insurance disability income insurance mental health pre-existing condition exclusions underwriting individual disability Google ↗
NAIC disability income insurance underwriting mental health history therapy Google ↗
- Individual Disability Income Insurance Application Standards · insurancecompact.org
- California Insurance Code § 10144 (2025) :: 2025 California Code :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- Health Insurance Guide · insurance.ca.gov
- dmhc.ca.gov · dmhc.ca.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
individual disability insurance mental health history therapy visits underwriting premiums exclusions lookback period US OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
California Department of Insurance disability income insurance mental health pre-existing condition exclusions underwriting individual disability OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
NAIC disability income insurance underwriting mental health history therapy OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |