Other than in MHIAP, there are no limits on preexisting condition exclusion periods under individual health plans in Montana. Coverage for preexisting conditions may be temporarily or permanently excluded. Also, individual plans may exclude conditions for which you ever got care or for which the insurer thought you should have sought care. This is called the prudent person rule. Finally, individual plans can also impose preexisting condition exclusion periods on pregnancy and on genetic information.
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This article is intended to be helpful and informative. But even common legal matters can become complex and stressful. A qualified insurance lawyer can address your particular legal needs, explain the law, and represent you in court. Take the first step now and contact a local insurance attorney to discuss your specific legal situation.