What is a potential setback one might experience when changing health plans?

Changing health plans often involves navigating a waiting period where certain services may not be covered immediately. During this time, a person may experience difficulties in accessing necessary healthcare, particularly if they have ongoing medical needs that require immediate attention. This gap in coverage can lead to delays in receiving care, which is a significant concern for individuals transitioning between health plans.

The other choices do not accurately reflect typical setbacks encountered when switching plans. Immediate access to previously covered medications is not guaranteed and often depends on the new plan's formulary and rules. Regarding refunds, premiums already paid for coverage generally are not refunded just because a plan is changed. Finally, lower coverage limits are not a standard outcome when switching plans; in fact, many individuals seek new plans that offer better coverage options than their previous ones. Thus, the waiting period represents a critical hurdle that reflects the impact of altering health plans.