Our individual health plans (except Short Term coverage) include a 12-month waiting period during which no benefits will be paid for pre-existing conditions. A pre-existing condition is one that was present during the 12 months before coverage took effect. During this 12-month period, symptoms may have existed as a result of the condition. In addition, medical advice, diagnosis, care or treatment may have been recommended, received, or should reasonably have been received from a provider of health care services.

Limits on pre-existing conditions are a standard part of most health plans. They make sure benefits are paid only for conditions that occur after your health coverage becomes effective. Paying only for approved services and covered conditions helps control health care costs and prevent possible insurance abuse.

When you receive your policy, please read the information included on pre-existing conditions carefully. Also please note any other exclusions or limitations that apply.

BlueCross BlueShield of Tennessee underwriting policies may deem it necessary to place a benefit exclusion rider on a past or current medical condition(s) indicated on the application and medical records for you or your dependents. No benefits will be paid on this condition(s) for the life of your policy. You may request a reconsideration after one year, if you have had a significant change in health status.