It is important that you read your contract thoroughly and
understand that the OMIP contracts have a six-month limitation for
pre-existing conditions, including pregnancy.
A pre-existing condition is one for which medical advice, diagnosis,
care, or treatment was recommended or received in the six months before
OMIP coverage began.
If you, or any of your dependents, applying for OMIP have a
pre-existing condition, OMIP contracts will not cover or pay for
anything related to the pre-existing condition for the first six months
of the policy.
*Note: there is no pre-existing waiting period if
you are coming to OMIP via the portability route and you have had
continuous group coverage for the past six months. OMIP will give
month-to-month credit towards the waiting period if the member can
provide a valid certificate of creditable coverage showing the start
and termination dates of the prior coverage. To receive credits, the
effective date must be within 63 days from the previous coverage end
date.
