Six-Month Pre-Existing Condition Waiting Period

BlueCross65 plans will not pay benefits for stays beginning or medical expenses incurred during the first six months of coverage if they are considered a pre-existing condition. A condition is considered pre-existing if medical advice was given or treatment recommended by or received from a physician within six months prior to the insurance effective date.

Some or all of this waiting period can be waived if you have creditable coverage. In order to have your pre-existing condition waiting period waived, you must have had other health coverage. That coverage can include a workplace health plan, COBRA, a federal government plan (including TRICARE, CHAMPUS or CHAMPVA), church plan coverage or an individual health or Medicare Supplement plan. Your previous health coverage must not have been canceled for fraud or nonpayment of premiums. You must not have had more than a 63-day gap between the date the other coverage(s) ended and the date you apply for a Medicare Supplement plan.