This section applies to all grandfathered plans except grandfathered plans that are individual plans and to every health benefit plan that is not a grandfathered plan. A carrier may not: exclude or limit benefits because a health condition was present before the effective date of coverage; or deny coverage because a health condition was present before or on the date of denial. The prohibition in subsection (b) of this section applies whether or not: any medical advice, diagnosis, care, or treatment was recommended or received for the condition; or the health condition was identified as a result of: a pre–enrollment questionnaire or physical examination given to an individual; or a review of records relating to the pre–enrollment period.