Is there a waiting period for pre-existing conditions?
ODS Alaska does not pay toward a pre-existing condition, even if the pre-existing condition worsens or recurs during the first 12 months you and your dependent(s) are insured under the policy. However, creditable coverage can reduce the 12-month period if an individual’s most recent period of creditable coverage is still in effect on the date of enrollment or ended within 90 days of the effective date of coverage. Creditable coverage followed by a significant break in coverage cannot be used to reduce the exclusion period. Each day of creditable coverage will reduce the 12-month period by one day.
Related Questions
- I already have medical insurance - if I change to a new insurer will I have to start the waiting period again for pre-existing conditions to be covered?
- Why is there a six-month waiting period before pre-existing medical conditions are treated the same as other medical conditions?
- If I Change My Medigap Coverage will I Have a Waiting Period for Pre-Existing Conditions?
