The best thing to do is to call BCBS and ask them if you have a Preexisting waiting period. They will be able to tell you if you do, and what the preexisting coverage claus says.
Was the question asked "have you seen a physician, received treatment, or has treatment been recommended for this condition"? This is normally the way questions are asked. If you have a question about how they will treat claims for Chiari call them and ask them. (BCBS) that is. Make note of who you spoke with and the date and time. I dont believe you have to worry about preexisting unless you have been without coverage for more than 63 days because of HIPPA portability and assuming the coverage you have thru the hospital is "credible coverage" I think the biggest concern here is will BCBS rescind (take back) your policy if they receive Chiari claims and I would clarify that with them. If you dont have credible coverage and BCBS will not cover Chiari treatment, then I would direct you to the Insurance High Risk Pool in your state. Call the department of insurance and inquire. There is now a federal option that has no preexisting exclusions, I am not sure how it is set up state to state and if the requirements are the same.
I hope all this helps. I am an insurance broker so this is one area I can help in.
HI...call the new Blue Cross insurance and pose the questions u have, if nething u drop it...and u still have the other one, but to continue to pay both premiums will get costly.
While on the phone ask about a pre existing condition and how they categorize it so u know where u stand and when u could potentially begin to use it......
The safe thing is call Blue Cross and ask questions b4 u do nething else.