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Humana defines pre-existing condition as a sickness or bodily injury which was treated within the 24-month period prior to the covered persons effective date of coverage or which produced symptoms that would cause an ordinarily prudent person to seek medical diagnosis or treatment within the 12-month period prior to the covered persons effective date of coverage. Any pre-existing condition(s) will not be covered by HumanaOne policy until the coverage has been in place for 12 months.
Pre-Existing Condition Period Waived for Disclosed Conditions
Humana will waive the 12 month pre-existing condition limitation for most conditions if they are disclosed on the application. Any condition specifically excluded by Humana with a rider is never covered for the duration of the policy.
Medical Condition Rejection List
If you have a condition, illness, or injury that is listed on the Medical Condition Rejection List below, you will most likely be declined for individual coverage with HumanaOne. These conditions include, but are not limited to:
- Chronic Obstructive Pulmonary Disease (COPD)
- Crohn’s Disease
- Heart Attack, Stroke, Angioplasty
- Hepatitis or Liver Disease
- Depression, if hospitalization required
- Organ or Tissue Transplant
- Anorexia or Bulimia
Coverage may also be denied to individuals who are severely obese, severely underweight, or who are undergoing or awaiting the results of diagnostic tests, treatments, surgery, biopsies, or lab work. In addition, coverage cannot be provided to expectant parents or children less than two weeks old.