If you received treatment for an injury or illness in the 12 months before your Argus health coverage began, overseas medical treatment for that same condition won’t be covered until you’ve had your Argus policy for at least 12 months.

This waiting period may not apply if you had overseas coverage under a Group Health Plan with Argus and switched to an Individual Plan within 31 days of leaving your group policy.

For those on the Classic Plan, certain dental treatments related to pre-existing conditions — like crowns, posts, inlays, onlays, dentures, bridges, or implants — may not be covered.

Contact our Customer Service team before receiving treatment to understand your coverage and avoid unexpected costs.