When a covered person moves from one insured group to another (including moving from one supplement to another), credit will be given for any months of pre-ex that were satisfied under the prior plan’s pre-ex provision, if the effective date of our plan is within 30 days from the termination of the old plan.

The applicant needs to submit a letter from the prior company stating the policy’s effective and termination date. We also need proof that the prior plan had a pre-ex provision. This can be submitted in a letter from the prior company or by sending us a copy of the prior policy.

 However, if the prior plan was with us, no documentation will be needed. This waiver only applies when the prior policy included pre-ex period, so this waiver does not apply to persons moving from Corporate to Retail.