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What symptoms did you have when you acquired the insurance?

Did you know you EVER had pneumonia?

If no or none, you're OK. If you had "something" you might have a problem.

Even if it is a pre-x - You need to see what the waiting periods are and if you had insurance prior to getting this plan. HMO's don't have pre-x clauses.

Pre-x is a TWO part question - 1. Will you get coverage in the FIRST place.

2. When is the condition covered.

Here's a better explanation of how a group plan must add you on when you marry. It also explains how long they can hold the pre-x clause over you.

Special Enrollment For more information, see Questions and s: Recent Changes in Health Care Law

If you view this on the "web" you will get the hyperlinks to the definitions.

http://www.steveshorr.com/dictionary.htm#Special_Enrollment

No, it would have to be an actual condition like, "bronchitis," and even then if you haven't had treatment during the lookback period it won't be considered pre-x.

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Q: If you had a CAT scan on your lungs to rule out any serious problems and it shows scar tissue from pneumonia is that a pre-existing condition?
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