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Pre-existing medical condition means
sickness, illness, disease, symptom, or injury that existed or
for which medication has been taken, received, or
prescribed (including prescribed as needed), or for which
treatment has been prescribed or received in the 180 days
before your effective date of insurance as stated on your
policy confirmation.
Under 55 years of age – you're automatically covered for pre-existing medical conditions as long as they have been stable in the 180 days before the policy starts. Between the ages of 55 and 85 – complete a Medical Declaration to see if you are eligible to buy our Enhanced Plan;
to cover pre-existing conditions. If you are ineligible or decide not to purchace the Enhanced Plan, you will pay a lower premium but will NOT be covered for any pre-existing conditions - stable or unstable.
Stable Chronic Condition means a pre-existing medical condition for which, in the 180 days prior to your effective date of insurance:
there have been no new symptoms or change in symptoms; and existing symptoms have not become more frequent or severe; and a physician has not found that the medical condition has become worse; no test findings have shown that the medical condition may be getting worse; and a physician has not provided, prescribed, or recommended any new medication, or any change in medication; and a physician has not provided, prescribed, or recommended any investigative testing, new treatment, or any change in treatment; and there has been no hospitalization or referral to a specialist or specialty clinic; and a physician has not advised referral to a specialist or further testsing, and there has been no testing for which results have not yet been received.
We will not cover any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain.
We will not cover any lung condition if, in the 180 days before the effective date, you required treatment with prednisone for a lung condition.
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Medical Declaration
