Pre-Existing Conditions

Applicable to Insured Persons 19 years of age and older:

 

Pre-existing Condition is a condition (whether physical or mental), regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received within six (6) months prior to the Effective Date of the Insured Person's coverage under this Policy. The Pre-existing Condition Waiting Period is six (6) months. If an Insured Person receives treatment or service for a Pre-existing Condition: (a) We will not pay benefits for such condition until the day after a six (6) consecutive month period has passed from the Insured Student’s effective date, and (b) We will pay only for Loss or expense incurred after such six (6) consecutive month period. The Pre-existing Condition Waiting Period shall not apply to pregnancy. We shall waive the Pre-existing Condition Waiting Period for that period of time an Insured Person was previously covered by Creditable Coverage if such Creditable Coverage was continuous to a date not more than ninety (90) days prior to the Effective Date of the Insured Person's coverage under this Policy. Payment will be in accord with the provisions of this Policy. If the Insured Person has a lapse in coverage of more than ninety (90) days, the Pre-existing Condition Waiting Period will have to be satisfied again. This limitation is not applicable to Insured Persons under age 19.

 

If you have questions regarding Pre-Existing Conditions, contact the Student Health Services Insurance Coordinator at 970-351-1915 or email questions to cecelia.clark@unco.edu