let me explain a little about pre-existing..unless you have continuous health insurance..the new insurance company you apply to, can go through your medical records (everything is electronic) and not cover you for items because during the time you were uninsured you may have had any of those items re-occur..even in as little as 30 days of no coverage. So, you may have been treated in the past, not have the condition any longer but the insurance company will "carve out" those conditions because you were uninsured for 30 days..do you see, now?