If I self pay for surgery, my Insurance doesn't cover it. Will they pay for after care?

Or any other problems? This is what it says for pre existing conditions: the participant shall provide the plan with a certificate of creditable coverage for any pre existing condition for which the participant is seeking to obtain coverage under this plan. upon receipt of such a certificate, the plan shall subtract the creditable coverage from the 3 month waiting period for the reciept of services by the participant under this plan unless that employee has suffered a gap in creditable coverage(excluding the 60 day waiting period for this plan) of at least 63 days. No benefits are payable for pre existing conditions : Except: (01) after any three consecutive months during which the individual is covered and no medical care or treatment was rendered or recommended in connection with the condition:or (02) with respect to the participant only after any 6 consecutive months during which she was continuously covered hereunder:or (03) with respect to eligible dependant only, after any 12 consecutive months(including the 60 day eligibilty waiting period)during which the eligible dependant has been continuously covered hereunder. however, a pre existing condition of a dependant of a class D (commisionary) employee who is not enrolled in the plan within 31 days after the dependant first becomes eligible for the plan shall not be covered until the expiration of 18 consecutive months during which the eligible dependant has been continously covered hereunder. can someone help me understand this, and if I can use my insurance if I have any problems after self paying for the surgery?

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