Pre-Existing Conditions

Our Definition

For non-group members, we define pre-existing condition as a condition for which:

• you have sought medical advice, diagnosis, care or treatment or
• medical advice, diagnosis, care or treatment has been recommended during the six months before you became covered under your plan.

Group members should consult with their benefits manager for details about pre-existing conditions.

Waiting Period

If you have more than a "63-day break in coverage" before receiving coverage through us, then benefits for services related to pre-existing conditions will NOT be covered until twelve months after your effective date of coverage.

For specific details, please refer to the "pre-existing conditions" section in your certificate of coverage.