How are pre-existing conditions handled?

Getting Approved When applying for coverage, Anthem Blue Cross will make their decision to approve/decline coverage and/or increase rates based on pre-existing conditions. You can find more information on qualifying for health insurance. They are mainly looking for current or ongoing situations. Anthem Blue Cross underwriters will also heavily weigh anything that is open-ended such as a doctor's request for a check up in the future which has not happened yet. Medication now weigh heavily because of the associated cost. You can run your situation by us first to see what the probable outcome might be. The carriers cannot exclude a certain condition from coverage in order to approve a person's coverage. Once Approved If you have not had coverage in the prior 63 days before your effective date, there is a 6 month waiting period for pre-existing conditions. This means they will not pay out for claims relating to pre-existing conditions until you have been on the plan for 6 months. If you have not lapsed coverage more than 62 days up to your new effective date, the carrier will take into account your prior coverage against a 6 month waiting period.