WHAT IS A PRE-EXISTING CONDITION?
Legal definitions of pre-existing conditions vary by state, but in general, these are medical conditions that a person has been treated for, is receiving treatment for, or that a prudent person would seek treatment for, during a specified period of time immediately preceding the purchase of health insurance.
A pre-existing condition is defined by our health plan as “any Illness, Injury, disease or condition, regardless of the cause of the condition, for which medical advice, diagnosis, care, or treatment was recommended or received within the six (6) month period immediately prior to such individual becoming a Covered Person.
Pre-existing conditions can vary between plans from being excluded to being covered fully and sometimes somewhere in-between like being covered after a specific amount of time. The Health Insurance Portability and Accountability Act ensures coverage for pre-existing conditions if you are joining a new group plan from your employer and you were insured the previous twelve months.
