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Limitations On Pre-Existing Health Condition Exclusions/Waiting Periods

If There Is A Pre-Existing Condition Exclusion, Does It Mean I Can't File Claims?

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If your plan has a Pre-Existing Conditions Waiting Period and you have what HIPAA defines as a pre-existing condition, (see Pre-Existing Conditions above), it is possible that claims for that condition will not be covered during the waiting period. But that doesn't mean you shouldn't file the claim anyway.

Unless you haven't told your employer about your health condition and don't want to for some reason, you should file the claim if there is even the slightest possibility that the claim will be covered because it is not directly related to the pre-existing condition.

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