Insurance, at the best of times can be a racket. Brfore the ACA (USA), insurance companies routinely denied coverage to people with previously existing conditions. They'd blame everything on said condition even if it was unrelated. This was pretty much legal until the Affordable Care Act. Now, previous existing ailments can't be used to deny people insurance.
However, these companies will do everything they can to make you choose to shop elsewhere. This article tells of how several insurers are now being brought to court over a situation they created that impacts those living with HIV. They have made HIV meds hard to access, limited their coverage & left them unreasonably high priced.
The point is, if major insurers are trying to get away with this in public, what are others doing in private. This is just a reminder of the stigma & discrimination against those living with HIV & other chronic illnesses. This isn't going away until these insurers are forced to follow the law.
Cya...
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