Which policy type would handle pre-existing conditions initially?

Long-term care insurance is specifically designed to cover services that assist individuals with activities of daily living, which can involve long-term or chronic health issues. This type of policy typically includes provisions related to pre-existing conditions, as it focuses on providing care for situations that arise after a person has developed certain health issues.

In contrast, individual health insurance and group health insurance generally place limitations or waiting periods for pre-existing conditions, meaning they may not cover those conditions that existed before the policy was taken out. Medicare Supplement Policies, on the other hand, are designed to enhance Medicare coverage and usually do not cover any services directly; they work alongside existing Medicare plans, which also have specific rules regarding pre-existing conditions.

Thus, long-term care insurance stands out as the policy type that is structured to handle pre-existing conditions effectively, thereby facilitating the necessary care for individuals who have established health concerns prior to acquiring coverage.