How do you determine if you have a 'preexisting condition'?

According to BCBS, if you are still under a doctor's care for a condition and have not been released, it counts as a pre-existing condition. That is what I have found out during my search. What insurance company do you go through?

Most places won't cover pre-existing conditions for 12 months! More accurately, look at the definition of pre-existing conditions in the policy disclousures. Typical language will say some like: any condition for which you received care or treatment for the past (generally 6 or 12 months) will not be covered for the first (generally 6 or 12 months).

So if you had cancer but have been treatment free for several years, in many cases it will not be considered a pre-ex. The language in most plans is pretty specific so please read it carefully.

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