Are preexisting conditions covered? Crystal August 24, 2020 18:08 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? Can I cancel my insurance coverage for any reason and what documentation is required? 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? For Long Term Disability Insurance, are there any exclusions for Pre-Existing Conditions? My child is about to turn 26, what do I need to do to remove him or her from coverage?