Individual Health Insurance Pre Existing Conditions

Creditable coverage must be counted towards any pre existing condition exclusion in an individual health insurance policy. This means that when submitting your application you must put your prior coverage on the application. If you do so you will not have any waiting periods towards coverage of your pre existing condition.

If you forget to put your pre existing condition on the application. You may have to wait up to year to receive benefits towards your conditions. A pre existing condition is any illness you may have had been treated for in the past six months or are currently taking prescriptions for.

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