Questions & answers · Dental insurance
How does Medico Insurance Company's dental insurance policy define a pre-existing condition?
AI-drafted from filed documents · reviewed: pendingpre-existing conditionsMedico Insurance Company
Under Medico Insurance Company's filed form in Colorado (CO), a pre-existing condition is described as a health condition which you may presently have [2]. This form states that such conditions may not be immediately or fully covered under a new policy, which could result in denial or delay of a claim for benefits under the new policy [2]. State law provides that the issuer will waive any time periods applicable to pre-existing conditions, waiting periods, elimination periods, or probationary periods in the new policy for similar benefits to the extent such time was spent (depleted) under the original policy [1][2]. This does not appear in these excerpts — check the full policy.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (2)
[1] Medico Insurance Company · CO · SERFF MDIC-126904636 · p. 1 · 5.3 · Additional benefits
(2) State law provides that your replacement policy or contract may not contain new pre-existing conditions, waiting periods, elimination periods or probationary periods. The issuer will waive any time periods applicable to pre- existing conditions, waiting periods, elimination periods or probationary periods in the new policy for similar benefits to the extent such time was spent (depleted) under the original policy. (3) If you wish to terminate your present policy and replace it with new coverage, be certain to truthfully and completely answer all questions on the application concerning your medical and health history. … (excerpt — the filed text continues)
[2] Medico Insurance Company · CO · SERFF MDIC-128089502 · p. 1 · 5.2 · Additional benefits
(please specify) (1) Health conditions which you may presently have (pre-existing conditions) may not be immediately or fully covered under the new policy. This could result in denial or delay of a claim for benefits under the new policy, whereas a similar claim might have been payable under your present policy. (2) State law provides that your replacement policy or contract may not contain new pre-existing conditions, waiting periods, elimination periods or probationary periods. The issuer will waive any time periods applicable to pre- existing conditions, waiting periods, elimination periods or probationary periods in the new policy for similar benefits to the extent such time was spent (depleted) under the original policy. (3) If you wish to terminate your present policy and replace it with new coverage, be certain to truthfully and completely answer all questions on the application concerning your medical and health history. … (excerpt — the filed text continues)
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Qd6a42e4d. Spotted an error? Tell us.