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Regardless of what law you read, here is how it applies at each company in the real world, as each treat it differently.
First, all applications ask for the last 5 or 10 yrs of medical history.
Next, having creditable coverage makes a difference.
Lastly, each company approaches it differently:
1. Aetna and Cigna - if you have creditable coverage, they don't rider/exclude medical conditions, and the pre-ex waiting period is waived, if approved, and probably rated up. If NO CCC, all pre-ex treatment within last 1-2 years, will not be covered for the first 11-12 mo, even with approval and rate up.
2. Goldenrule/Humana/Assurant - CCC doesn't matter except for pref/standard pricing. Each of these companies can rider a condition indefinitely. If they don't rider/exclude upfront, then they are assuming the risk and covering the pre-ex. Each have waiting periods built in for certain conditions.
Don't do BCBS FL. Above not applicable to children. My E&O is not covering this, make your own calls once you narrow down company/plan.
Why do you say not to do BCBSFL?