Consumer Protection Law
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Under the Affordable Care Act (ACA), group health plans are prohibited from imposing any preexisting condition exclusion. Under this protection, a plan generally cannot limit or deny benefits relating to a health condition that was present before your enrollment date in the plan. However, a plan may exclude coverage for injuries that do not result from a medical condition or from domestic violence. So, for example, a plan generally can exclude coverage for back injuries in connection with an activity like snow skiing. SO, the answer depends on the source of your back ache in 2012.
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They are probably wanting to argue that the Rx drug was related to a back injury. But if there is no proof of an injury then that argument should also fail.
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