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Cathie Fonz (formerly Cathie from Canada)

"Pre-existing conditions" are just an excuse to say no.
Insurance companies search for excuses to say no -- that's why "pre-existing conditions" were invented.
Actually, there is really no such thing. There are just "acute health conditions" and "chronic health conditions". But insurance companies have convinced America that their excuses for saying no are based on some kind of actual reality.
Other excuses they invented to say no: "life-time caps" and "annual caps" and "limited coverage" and "exclusions" and "deductibles" etc. Its all just BS, really. In Canada, none of these terms have any meaning at all.

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