I am a consultant now so I had applied for an individual (family) health plan. My son has a heart murmur that has never required any treatment or medication; the doctors didn't even hear it until several months after he was born. This is an excerpt from the single sheet we got from BlueCross:
Dear Mr. Murphy,
Thank you for your application for BlueCross BlueShield of Tennessee individual health care coverage.
Unfortunately, we cannot approve Joel's request due to medical information provided. We terminated our underwriting process once we determined that the following would result in our declining coverage:
Medical records document that Joel has been diagnosed with congenital infundibular pulmonic stenosis.
However, should the need arise, BlueCross and BlueShield reserves the right to continue the underwriting process and possibly cite other conditions as grounds for declining coverage.
I realize there are probably BS government regulations that make this profitable for them (rather than, say, offering a policy with a rider excluding his condition, or charging me higher premiums), but even so, that letter is outrageous. Did they have a contest for who could write the most insulting, infuriating letter to potential clients?