If you or your dependents have had at least 12 months of continuous medical coverage prior to applying for GuideStone's health plans, there are no pre-existing condition limitations on your GuideStone plan. You must submit a Certificate of Creditable Coverage from your former insurer, if applicable, as proof of prior coverage for GuideStone to waive any limitations.
If you did not have medical coverage for a full 12 months, or if there was a break in coverage of more than 63 days, GuideStone medical plans have a pre-existing condition limitation. This limitation restricts coverage for a 12-month* period for you or your dependents’ pre-existing conditions. A pre-existing condition, whether physical or mental, is a condition for which medical advice, diagnosis, care or treatment was recommended or received within the six-month period prior to enrolling in the plan.
If a condition is considered to be pre-existing, benefits for treatment of this condition will be limited only for the first 12 months. Any conditions unrelated to the pre-existing condition will receive standard benefits according to the plan.
*The limitation period may be shortened if you or your dependents’ previous coverage ended fewer than 63 days before your GuideStone application for coverage was received. When GuideStone receives proof of prior medical coverage, we will notify you of any reduction to the limitation period.