The common standard insurance companies use if based on how long it has been since last treatment. They use 6 months and 12 months as standards, depending on the situation.

The toughest part of this is they consider ongoing prescription medication to be continuing treatment. I would have had to stop taking my meds for 6 months or 12 months before I could qualify as No Pre-existing Conditions.

Some policies will restrict coverage for the pre-existing condition for a specified period of time (6 or 12 months), especially if it is just a chronic issue that does not require expensive treatment. Thus, they cover the other medical issues without limits beyond the normal health plan restrictions.

The state you live in may have rules that govern these issues.

How is your husband doing?
What kind of a TBI did he suffer?
Is he able to work productively?