If you felt the need, you could fight it with the HIPAA law. You have the right to dispute the rider. I bet if you read it, the rider said something along the lines of “for this policy, it excludes X”, however, if you made an issue, they would have to offer you a policy that did cover it. You obviously would probably have to pay more, but they can’t deny you.
The thing was...we couldn’t afford to pay more. That’s why we were changing insurance companies. We rarely used our health insurance when we were employed by someone else but since then (my husband is self-employed)...I’ve broken my ankle and then this year I had to have my gall bladder out! Can’t wait to see how much our policy goes up after that! I am just praying that nothing happens in the next couple of years.