Health insurance, pre existing condition?

Question

what is the difference between a pre existing condition in health insurance and pre existing condition exclusion period.

im reading from howstuffworks, health insurance but still confuse. i understand employer waiting period.

here is the link for pre existing condition

http://health.howstuffworks.com/health-insurance12.htm

here is the link for pre existing condition exclusion period

http://health.howstuffworks.com/health-insurance13.htm

Answer 1

A pre-existing condition is something that you had or were being treated for prior to getting your insurance.

Some group insurances will have a waiting period once a new employee signs up for the insurance if they have a pre-existing condition. This waiting period (where the insurance does not cover the condtion) is called a pre-existing exclusion period. Once the employee has had the insurance for the length of the exclusionary period  (usually 12 months), then  the condition is no longer excluded, but is considered a covered condition

Answer 2

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Answer 3

The pre-existing condition, is something already wrong with you.  

The exclusion period, is the time period - usually 6 - 18 months - when the insurance won't pay any bills related to that condition.  After it's up, they will then include coverage for the pre-existing condition.