Pre-Existing Conditions
No benefits will be payable for the covered person's pre-existing conditions. These conditions are defined as an injury sustained or a sickness for which the covered person received medical advice, diagnosis, care or treatment within six months prior to his or her effective date under the policy.
Covered medical expenses resulting from a pre-existing condition will not be covered unless the covered person has been insured under this policy or UNC's prior policy for six continuous months.
Those insured persons previously covered by another individual or group policy including COBRA, Medicare or Medicaid, may receive credit toward satisfaction of this six month waiting period for time insured under that policy as long as there was no more than a 90 day lapse in coverage between policies.
Pre-Existing Condition limitation will not apply to pregnancies existing on the effective date of coverage or in the case of a child that is adopted or placed for adoption before attaining eighteen years of age.
Insurance Company (carrier) Information
