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Pre-Existing Conditions
In the past, many health insurance policies excluded health conditions that had been diagnosed prior to applying for coverage. California's small group reform law, AB1672, limits pre-existing condition exclusions to a six-month "look-back" period (that is, only conditions for which care was recommended or received over the six months prior to the start date of the policy may be excluded) and a six-month exclusion period (that is, exclusion of coverage for these conditions is limited to six months beginning with the start date of the policy). Exclusions are waived for individuals who have had continuous coverage.
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