The concept of a “pre-existing condition” is often misunderstood. This term refers to an illness or injury for which you have received treatment during a certain period preceding your coverage under the major medical plan. For example, this pre-period can refer to three months prior or six months prior to applying for coverage. However, in some cases, if the insured is aware of a condition, it will qualify as pre-existing even if no treatment has been received for it during the specified period.

If a condition is qualified as exclusionary, for this reason, the insurance company may opt not provide coverage for related medical expenses for a period than can last, in some cases, upwards of one year. Dependent upon your plan, this pivotal clause may vary widely. Before signing up for a particular plan, be sure to review the terms and conditions which apply to your personal situation.