Self employed insurance? -

bf is self employed and never been covered under insurance before. I am looking into policies but can not find out anything about preexsisting conditions. He hurt his shoulder several years ago and will probably need surgery. he did see a doctor at that time, but nothing was done, and nothing has been done since. What would be the waiting period if he did see a shoulder specialist and there recomendation was surgery No insurance, insures pre-existing conditions. The coverage wasn't in effect at the time of the injury, why should the insurance now pay? From what I have experienced it is typically a year. It is likely that the condition would receive a waiver, excluding coverage for this shoulder for the life of the policy.