You seem to know the ins. industry well. How was the law written in relation to not taking people with various illnesses...aids,cancer, diabetes etc.?
Did they have the right to simply deny people? Were there certain illnesses or could they just deny any?
Each insurance company makes determination of what group they want to target. Some will say “We’ll take all the business of those with “well controlled diabetes” and collect a larger premium for a higher risk, but maybe double out that risk by denying another commonly covered illness.
There are several biggies that most companies will not cover (keep in mind I am speaking on an individual plan-most if not all states have group laws regarding preexisting conditions, like in Georgia if you move from one group policy to another within 90 days, you have coverage without PEC) and that is cancer, diabetes (especially insulin controlled), AIDS, etc...
Now these conditions and stipulations MUST BE SUBMITTED for approval to the state insurance commissioner as part of their statistical calculations. Some policies will cover some types of cancer if a certain amount of time has gone by. Sometimes they will say “Your cholesterol is too high, we’ll cover you after six months if your level has gone to acceptable levels.”
I hope I explained what you were asking for. As I said, these all have to be approved by the State Commissioner Dept. That’s what drives me so crazy when hearing these stupid Dems demonize them for being ‘unregulated.’ They are probably the most regulated industry out there!