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65% Of American Cancer survivors said they did not have sufficient income to cover out-of-pocket expenses for cancer treatment and other incurred debts related to the illness following treatment. 

Insights From Survivors: Managing the Personal, Emotional and Financial Impact of Cancer, Washington National Institute for Wellness Solutions, 2014.

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Is there a pre-existing condition?

No. This coverage is offered on a guaranteed issue basis.  So, when you enroll, you are automatically issued coverage.  Any new accident that occurs to a covered member on or after the effective date will be covered.