Shelly, Jennye has a good point. You should ask your carrier about ongoing treatment for a current condition; I don't think that can be excluded from a new policy. Even if the carrier tells you it can be, you should place a call to your state department of insurance and ask that same question in general terms.
They may tell you that it's just not covered, but I'd think it's worth finding out the applicable state regulations so you know if you have grounds for an appeal. Good luck!
__________________ 
~~ Alexandra
banded 8/20/03
band removed 4/9/07 due to slippage REbanded 8/13/07
340 highest / 210-ish lowest / 275-ish now / less
5'10" -- size 28/30 then, 18/20 now | 