20-1071. Prohibition against excluding
coverage because of previous tests for a condition


A. An insurance contract offered by a health care services organization shall not
exclude coverage of a condition if the insured person has previously had tests for the
condition and the condition was not found to exist. There must be evidence that a
condition actually existed before the insurance contract was entered into in order to
exclude coverage of the condition.


B. Unless preempted under federal law or unless federal law imposes greater
requirements than this section, this section applies to a provider sponsored health care
services organization.