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I want to address section #3:
“Coverage For Pre-Existing Conditions/No Cancellation: Any medical insurance policy written by a company involved in commerce shall not exclude coverage for pre-existing conditions as long as the insured has been continually insured for the previous year. If not insured for the previous year, the insured shall have coverage for pre-existing illnesses not more than one year after insurance commences. And no insurance policy in force for one year or more may be canceled or contested for any reason except nonpayment of premium.”
If the insured has not been covered during the previous year, the insured shall have coverage for pre-existing illnesses not more than one year after insurance commences. So, you lose coverage after one year? But wait…after one year, you will have had coverage for the “previous year”. Doesn’t this mean you can now get covered by the initial provision?
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