Is TMJ Covered By Health Insurance? 
Starting in 2014 , all pre-existing conditions , including TMJ , must be covered by health insurance companies . There can be no exclusions , waiting periods or extra fees charged for any type of condition -LRB- other than smoking -RRB- . State Exchanges will become operational by October when the Open Enrollment begins . Each state will have their own Exchange Marketplace and you may be eligible for a federal tax subsidy . 