OK, so my job situation became rather tenuous recently so I've been researching different options on this. Like I said, I have a pre-existing condition but I've also not had problems for about two years and have been continuously covered for like 11 years. I reached out to Aetna for a quote and of course read through the exclusions. It reads as follows: during the first 12 months following your effective date of coverage, no coverage will be provided for the treatment of a pre-existing condition unless you have prior creditable coverage. A pre-existing condition is an illness, disease, physical condition, or injury for which medical advice, or treatment was recommended or received and/or the use of prescription drugs of any kind within six months preceding the effective date of coverage. services or supplies for the treatment of a pre-existing condition are not covered for the first 12 months after the member’s effective date. if the member had continuous prior creditable coverage within the 63 days immediately preceding the signature on the application and meets certain other requirements, then the pre-existing condition exclusion of 12 months may not apply. So it seems like if I've had insurance, I'm covered although I'm wary about the "other certain conditions". I sent the sales rep an email asking for clarification in writing. Anyone else deal with this before?