Yes. Changing healthcare providers or psychiatrists within the 60-day* lookback period does not affect your tuition insurance on its own.
What matters under the pre-existing condition definition is whether there was a new diagnosis, a change in symptoms, or a change in treatment or medication — not a change in who is providing your care.
Why provider changes don't trigger the exclusion
The pre-existing condition exclusion applies to illnesses or injuries that were being treated or actively symptomatic within the lookback period. Switching from one doctor to another is an administrative change — it doesn't represent a new medical event or a change in your condition.
What would affect my protection eligibility?
The following changes within the 60-day* lookback period could affect whether a condition is treated as pre-existing:
- A new diagnosis of an illness or condition
- A change in medication — starting, stopping, or adjusting dosage
- A change in treatment plan recommended by any provider
- New or worsening symptoms that led to a medical visit
If any of these apply, review the pre-existing condition waiver criteria — particularly whether the student was medically cleared to attend school at the time of purchase, which may still allow for protection.
*This timeframe could be 120 days depending on the plan that you hold. Please review your plan details to see if your plan has a 120 look back period or a 60 day look back period.
Terms, conditions, and exclusions (including for pre-existing conditions) apply. Plans only available to U.S. residents and may not be available in all jurisdictions. Insurance benefits are underwritten by Jefferson Insurance Company. GradGuard, a service of Next Generation Insurance Group, LLC (NGI), is the licensed agent for all insurance programs. Plans include insurance benefits and assistance services. Non-insurance benefits/services, and claims administration, are provided by AGA Service Company.