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Health and Life Insurance

Category - HMOs

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What pre-existing condition can prevent HMO coverage during open enrollment?

Heart disease
Diabetes
Physical disabilities
None

Explanation

Answer: D - During HMO open enrollment there are no pre-existing conditions that can prevent coverage. Open enrollment allows anyone to apply for HMO coverage. Coverage can be denied during open enrollment if the individual is hospitalized at the time; otherwise, HMOs can only deny coverage during non-open enrollment periods.

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