Not necessarily. (It means you must be very well informed how your particular policy pre-existing clause is written.) The state of Texas dictates that if you have had insurance prior to your current insurance plan, and that you did not lapse in coverage for more than 63 days, you may have the ability to have your pre-existing clause waived. In order to do this, you will need to call your previous insurance company and ask for a Certificate of Prior Coverage. Once you have received this letter, you can submit it to your current insurance plan to negate this clause, in most cases. You should also supply our billing office with a copy in case we have to refile claims on your behalf and they don’t connect your response to the reprocessing of your claims. If you have not had previous insurance or it lapsed for more than 63 days, it is still possible to have claims paid by your insurance company. For any new condition that has arisen after your effective date, you will most likely need to fill out information from the insurance company regarding the condition. We will work with you and provide as much help as possible in this task.