Can TeamCare Deny a Pre-Existing Condition?

In June to avoid paying taxes on the health plan UPS switched to TeamCare, So now we have a new insurance policy. My wife had emergency surgery since then and now Teamcare is saying that because my wife had this surgery almost 5 years ago, they do not need to cover anything that they think is related to that surgery. Can they deny paying this emergency surgery claim?

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I have insurance from SOS International through my employer. My employer is a non-US organization, but I am an American citizen. Can SOS International (a US company) deny pre-existing conditions in this case (i.e. is this a loophole)? My understanding is that if I got it directly through them (or through a US employer) denying pre-existing conditions would be illegal, but what about in this situation?

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