# Mont. Code Ann. § 33-22-110: 33-22-110 Preexisting conditions

> Montana · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-110

## Section

- **Citation:** Mont. Code Ann. § 33-22-110
- **Heading:** 33-22-110 Preexisting conditions
- **Jurisdiction:** Montana
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** MT Code / Title 33 / Chapter 22 / Part 1 / Section 33-22-110

## Text

33-22-110 . Preexisting conditions. (1) Except as provided in 33-22-246 and 33-22-514 , a policy or certificate of disability insurance may not exclude coverage for a condition for which medical advice or treatment was recommended by or received from a provider of health care services unless the condition occurred within 5 years preceding the effective date of coverage of an insured person. The condition may only be excluded for a maximum of 12 months.

(2) An insurer may use an application form designed to elicit the complete health history of an applicant and, on the basis of the answers on that application, perform underwriting in accordance with the insurer's established underwriting standards.

(3) A policy of disability income insurance may not exclude coverage for a condition for which medical advice or treatment was recommended by or received from a provider of health care services unless the condition occurred within 5 years preceding the effective date of coverage of an insured person. An exclusion may not apply to a disability commencing more than 12 months from the effective date of coverage of an insured person.

## Nearby sections

- [Mont. Code Ann. § 33-22-101 33-22-101 Exceptions to scope](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-101.md)
- [Mont. Code Ann. § 33-22-102 33-22-102 Third-party ownership](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-102.md)
- [Mont. Code Ann. § 33-22-107 33-22-107 Premium increase restriction -- exception -- notice of rate increase and policy changes](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-107.md)
- [Mont. Code Ann. § 33-22-109 33-22-109 Riders](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-109.md)
- [Mont. Code Ann. § 33-22-110 33-22-110 Preexisting conditions](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-110.md)
- [Mont. Code Ann. § 33-22-111 33-22-111 Policies and certificates to provide for freedom of choice of practitioners -- professional practice not enlarged](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-111.md)
- [Mont. Code Ann. § 33-22-112 33-22-112 Disability insurance coverage of services of state institutions -- provision void -- rate of payment](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-112.md)
- [Mont. Code Ann. § 33-22-113 33-22-113 Disability insurance coverage of persons eligible for public medical assistance](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-113.md)
- [Mont. Code Ann. § 33-22-114 33-22-114 Coverage required for services provided by physician assistants, advanced practice registered nurses, and registered nurse first assistants](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-114.md)
- [Mont. Code Ann. § 33-22-115 33-22-115 Provider agreement limited to covered services -- dental network constraints -- penalty -- definitions](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-115.md)
- [Mont. Code Ann. § 33-22-116 33-22-116 Prohibition on coverage of abortion services in qualified health plans](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-116.md)
- [Mont. Code Ann. § 33-22-117 33-22-117 Construction](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-117.md)
- [Mont. Code Ann. § 33-22-121 33-22-121 Notice required for cancellation or refusal to renew](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-121.md)
- [Mont. Code Ann. § 33-22-122 33-22-122 Contents of notice -- proof -- limitation on recovery -- exemptions](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-122.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C22_P1_S33-22-110. Check the current official text before relying on it. Not legal advice.