Acute onset refers to an unexpected emergency situation that could be fatal for the patient. Whether or not, this procedure qualifies as an acute onset of pre-existing conditions is determined by the attending physician. However, it would not cover for medication, check-ups, etc.
You can visit this link for more information: Acute Onset of Pre-Existing Conditions Explained
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else