I'm currently writing an appeal to the health insurance company of Assurant, a short-term insurance policy as my husband is self-employed.
For some reason, the pre-existing condition clause that says that as long as you're continually covered by insurance, the company cannot impose pre-existing conditions, doesn't apply to them.
So, my question is, they have denied a kidney stone as a pre-existing condition as my husband had one within their 5-year clause. What leverage do I have to appeal that it is not a pre-existing condition? Is there anything I should cite? What wording would be beneficial? (So far I'm going with "this is a new event and was not a reoccurance", and am pointing out that this kidney stone was not in existance the last time he had one.)