Are preexisting conditions covered? Crystal November 30, 2022 19:51 Updated Yes. There is no preexisting condition exclusion for anyone of any age, and no proof of creditable coverage is required. Related articles How long will my state-sponsored insurance be active after my termination date? My child is about to turn 26, what do I need to do to remove him or her from coverage? Can I cancel my insurance coverage for any reason, and what documentation is required? For Long Term Disability Insurance, are There any Exclusions for Pre-existing Conditions? If two employees in the same plan (state, local education or local government) are married, are they required to choose the employee + spouse premium level, or can each sign up for employee only coverage? What if there are children?