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no if you didn't sign up/add on your child to your policy within X number of days of birth or adoption (per your plan) pre-exisitng conditions CAN be excluded. Also, any private plan CAN exclude ANYTHING they want when applying for new coverage. My plan (through work) has to have the child signed up within 30 days of adoption or he/she will be considered a NEW applicant and exclusion can occur.
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-pequele
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