Pre-existing condition exclusion

The period of time that an individual receives no benefits under a health benefit plan for an illness or medical condition for which an individual received medical advice, diagnosis, care or treatment within a specified period of time prior to the date of enrollment in the health benefit plan. For kids under age 19, the ACA begins to phase-in a prohibition on pre-existing condition exclusions effective September 23, 2010. The ACA will prohibit pre-existing condition exclusions on all plans beginning January 2014.