What is a”pre-existing condition exclusion”?
A. An exclusion means that your health insurance will not pay for care related to your pre-existing condition. An exclusion can be for up to 12 months, and up to 18 months if you are a late entrant. If you have maintained continuous coverage, your new plan must give you credit for your prior coverage.
A. An exclusion means that your health insurance will not pay for care related to your pre-existing condition. An exclusion can be for up to 12 months, and up to 18 months if you are a late entrant. If you have maintained continuous coverage, your new plan must give you credit for your prior coverage. Preexisting condition exclusions cannot be applied to properly enrolled newborns and adopted children. Preexisting condition exclusions cannot be applied to children under 19 years old (however, policies in effect on or before March 23, 2010 for individual coverage do not have to follow this unless the policy changes significantly).
