How do insurance companies deny health coverage?

[ckg68]

A lot of ways,it seems.

First off,I understand that individual health insurers do have the right to screen out those who aren't healthy-those with a history of heart disease,had strokes,etc. I'm not disputing that.

But,seriously...getting rejected by one company because your wife is expecting a baby? Because you got a spider bite once? And so on....

http://www.cbsnews.com/stories/2007/05/23/cbsnews_investigates/main2843007.shtml

[Gibby]

Deductibles, experimental surgeries and medicine (not just experimental, but proven procedures and medicines deemed experimental just so the company doesn't have to pay a red cent). Deductibles are cute little things. Yeah they are evil, oh yeah and if you are insured by Aetna do something wise and ditch those bastards.