Hi , Everyone! my questions is about purchasing ins.

I tried to purchase a Indiv.Plan and was turned down do to their underwriting. They said that because I have a back problem that they can't take me because their guidelines for a back problem is no more than six months and mine was longer and my weight is 220 and their wieght guideling is 180 for 5'4, but I thought that they can't turn you down if you had prior coverage within 63 days. Im I mistaking the "pre existing clause" for something else. Does that not apply? By the way I live in Northern Cali.

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