I am with Samaritan Ministries. Same thing and with genetic issues, they don't cover if you have a genetic issue before 5 years. I was in my plan 5 yrs. and 2 months when my HD showed up. So just in time. I know of Medishare. It is a little more costly than Samaritan Ministries, but these plans of Christians helping each other work fine. Medishare covers a little more, I think. Give them a call. Both organizations are great to talk to.
Curt