Major Medical Plans with Effective dates in 2013: This plan does not pay benefits for conditions related to or caused by a pre-existing condition until you have been continuously covered for 12 months. Any previous or current health condition or symptom not fully disclosed on the application will be considered a pre-existing medical condition.

Enrollees under the age of 19 are not subject to the pre-existing condition limitation.

Major Medical Plans with Effective dates in 2014: In 2014, Major Medical plans will pay benefits for pre-existing conditions. These plans are now guarantee issue, which means that comprehensive coverage is offered to everyone, regardless of health status.