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? 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? Can I cancel my insurance coverage for any reason and what documentation is required? My child is about to turn 26, what do I need to do to remove him or her from coverage?