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Originally Posted by Kitsune
I'm just now 30 and I've already experienced one of the delightful ways insurance companies screw people.
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Us, too. I have two children with lifelong pre-existing conditions. (Because even if I manage to recover them, the insurance companies go by the current medical assumption that recovery is impossible, so they will be forever autistic even if they no longer meet diagnostic criteria, and thus uninsurable for the rest of their lives.) If my husband is ever laid off, they will have to go on a state plan for uninsurable children, like my friend's daughter who is diabetic. That
government-run health insurance program has been quite literally a lifesaver for her.