What is a pre-existing limitation?
Typically, a condition is considered pre-existing if you had incurred expenses or received a diagnosis for an injury or sickness within six months before your enrollment date – the date you first begin your waiting period. The pre-existing condition provision usually does not apply to newborn infants, adopted children or pregnancy-related care. Additionally, the pre-existing condition does not apply if you have proof that you were covered by group insurance no more than 63 days before you become eligible for Holsum’s benefits.
