Kevin Olin applied for individual healthcare coverage from the Mercury health plan. Before issuing the policy, Mercury's underwriters attached a rider that excludes from coverage any loss that results from Mr. Olin's chronic knee problem. This information indicates that Mr. Olin's policy includes

Question

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An impairment rider is a type of policy exclusion that excludes coverage for pre-existing medical conditions that the policyholder is already aware of or has received treatment for in the past. Mr. Olin's chronic knee problem would fall under this category, as it is a pre-existing condition that he is already aware of. The other options, such as a moral hazard rider, essential plan rider, or insurable interest rider, do not apply to this situation.

Kevin Olin Applied for Individual Healthcare Coverage from the Mercury