Reply #10: Are you a new employee

[Peregrine]

Are you a new employee or is your company changing providers? If so, then it would be unusual to provide medical history. Generally you are covered for pre-existing conditions.

Are you a current employee who previously turned down medical coverage? If so, then pre-existing conditions are not covered and you will need to provide medical history.

The only other thing I can think of is that your employer went real cheap on the coverage to save himself money. So it probably comes with a lot of conditions.