If after 36 months you are without signs, symptoms, testing (other than surveillance testing), diagnosis, or treatment (medication), medical expenses related to that cancer diagnosis will be eligible for sharing.
Pre-Existing Medical Conditions are conditions in which known signs, symptoms, testing, diagnosis, treatment, or use of medication occurred within 36 months prior to membership (based on medical records).
A known sign is any abnormality indicative of disease, discovered on examination/diagnostic testing before joining membership.
A symptom is any subjective evidence of disease. In contrast, a sign is objective.
A Pre-Existing Medical Condition is eligible for sharing after the condition has gone 36
consecutive months without known signs, symptoms, testing, diagnosis, treatment, or
medication (based on medical records). If you have been diagnosed with cancer that
is in complete remission, and you are only undergoing testing for surveillance purposes,
then bills related to those services will not be eligible for sharing for the first 36 months of
membership.
If after 36 months you are without signs, symptoms, testing (other than surveillance
testing), diagnosis, or treatment (medication), medical expenses related to that cancer
diagnosis will be eligible for sharing.
High blood pressure or high cholesterol that is controlled through medication, will not be
considered a Pre-Existing Medical Condition for purposes of determining eligibility for
future vascular or cardiac events.
The Pre-existing medical condition limitations do not apply to members 65 years and older