do i need to wait????????

so i was about to purchase new health insurance- until i got to the last part:

THERE WILL BE AN ELEVEN-MONTH WAITING PERIOD FOR BENEFITS FOR ANY DISEASE, SYMPTOM OR CONDITION THAT WAS PRESENT BEFORE THE FIRST DAY OF COVERAGE, AND FOR WHICH MEDICAL ADVICE OR TREATMENT WAS RECOMMENDED OR RECEIVED DURING THE SIX-MONTH PERIOD PRIOR TO THE ENROLLMENT DATE OF COVERAGE. THIS WAITING PERIOD WILL BE REDUCED TO THE EXTENT THAT YOU ARE ENTITLED TO A CREDIT FOR COVERAGE UNDER A PREVIOUS HEALTH PLAN.  i went to see the surgeon in may and was diagnosed to my current health insurance with morbid obesity at that time. I also started and completed all my pre-op tests. that that make me excluded from benefits according to the above statement?? will i have to wait the 11 months????????? anyone out there who would know??????? please help!!!!!!!

Is this the new policy you posted about before - with GHI? They approved me for Lap Band and I had already had almost all the pre-op tests done BEFORE I purchased the policy. (I'm not familiar with that section)

 

 

If you have had previous medical coverage in the last 18 months you should send in proof to your insurance company- it will reduce or remove your pre-existing medical condition policy. Otherwise- it sounds to me like you might have to wait unless you can find a lawyer that will help you prove that obesity is not a pre-existing condition- which I have heard some can do that.