My Cigna insurance has a 90 day pre-existing. I was active as of 7/1/08 - they wanted to see is I was treated for this since 4/1/08. I don't think that I was. I guess I am not understanding the "pre-existing" to deny the claim when they are also wanting a 5 yr medical history to approve the surgery!!

I dont have the answer here, BUT I suggest you go to Yahoo Answers, BECAUSE sometimes, I have asked MY Cigna questions there, I have Cigna OAP, and there are Insurance company employees there that can answer your quick questions like that. I hope this helps.