It depends on the condition and insurance plan you are enrolling in. Review the plan's exclusions and limitations for more information. Empyrean is sensitive to the needs of our members with chronic conditions. That's why we offer several alternatives for your pre-existing health needs if you are ineligible for insurance coverage or until the waiting period is over, if any. The health savings program is available immediately, with no restrictions. Call today so one of our representatives can help you determine insurance eligibility and explain how you can use the health savings program until your waiting period is satisfied.