The Certificate of Insurance may contain a pre-existing condition limitation or this limitation may have been waived for an entire Group.

If the limitation has been waived, there are no pre-existing condition limitations.

If there is a pre-existing condition limitation provision in the Certificate of Insurance, benefits are not payable in connection with a Pre-Existing Condition during the initial 6 or 12 consecutive months (depending on the State) the Insured Person has been enrolled for coverage.  This limitation will not apply to pregnancy, to a newborn child or to a newly adopted child under age 18.  Any period of Creditable Coverage under a prior plan will be subtracted from the 6 or 12 month period.  However, if there has been a period of 63 days between the date coverage ended under such prior plan and the first day of any required waiting period under the Policy, any period of Creditable Coverage under such prior plan will not be subtracted from the elimination period.

A Pre-Existing Condition means any Sickness or Injury for which an Insured Person received any diagnosis, medical advice or treatment or had taken any prescription medicines during the 6 or 12 months (depending on the State) consecutive months immediately preceding the effective date of the Insured Person’s coverage under the Policy.

Creditable Coverage means prior health benefit plan coverage of an Insured Person for which the Insured Person has provided a Certificate of Creditable Coverage to the Company.