(a) This section applies to all grandfathered plans except grandfathered plans that are individual plans and to every health benefit plan that is not a grandfathered plan.
(b) A carrier may not:
(1) exclude or limit benefits because a health condition was present before the effective date of coverage; or
(2) deny coverage because a health condition was present before or on the date of denial.
(c) The prohibition in subsection (b) of this section applies whether or not:
(1) any medical advice, diagnosis, care, or treatment was recommended or received for the condition; or
(2) the health condition was identified as a result of:
(i) a pre–enrollment questionnaire or physical examination given to an individual; or
(ii) a review of records relating to the pre–enrollment period.