Pre-existing Condition means any:
(1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the certificate effective date;
(2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 12 months immediately preceding the certificate effective date;
(3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the certificate effective date.
Pre-existing conditions are excluded during the waiting period. For Study USA-HealthCare Standard and StudyUSA Preferred 300, the waiting period is 12 months. For Study USA-HealthCare Preferred 500, the waiting period is 6 months. The Study USA-HealthCare Basic plan does not have coverage for pre-existing conditions. See Study USA-HealthCare's complete
list of General Exclusions in the Description of Coverage document for each plan.