My husband has been having terrible headaches for about 10 months now w/ other symptoms.
He has been to our family Dr. many times but there has NOT been a diagnosis. Our Dr. wants him to go to a Neurologist but we needed to wait till we got health insurance.
We finally have it as of this month, but found out that the pre-exisiting is a 12 month waiting period. But it also says a pre-existing condition is something that has "happened" in the prior 3 months to the insurance effective date.
If he hasn't been in there for his headaches in the last 3 months but had gone in prior, does that "count"?

So is there anything we can do, or should do? No one know's what is wrong with him because we haven't been able to afford to "check" into it further. It's ruining our lives.

He doesn't have a preexisting condition because he hasn't been diagnosed with anything yet. Even though a condition may exist he is not aware of it. that clause is designed to make a person disclose all of their medical costs before the provider takes the patient on. For example my cousin has a congenital heart problem. She has had surgery when she was an infant and will have to have more surgery when she gets older. She doesn't take medications but she has to see the heart specialist every year to montior her condition. She has to disclose that to the new insurance company if she needs a different provider. If she lies and says she doesn't have a pre-existing condition they can cease her coverage.