Thats sorry advice, joel.

Carriers include disclaimers to cover them in the event someone applies for coverage thinking they may have an illness that is not yet diagnosed. If a claim is filed a short while after coverage is approved it is entirely possible the claim will be denied and the coverage rescinded.

Hope you carry lots of e&o . . .

And to rayclark . . . Hipaa makes transitioning from one group to the next almost seamless. As long as there is no break in coverage your wife should be covered by the new carrier.