Yes, I’ve seen some of those stories too. Thats why I highlighted Samaritan Ministries as having one of the better online reputations. People these days have no excuse for being blindsided by organizations with reputation issues. It’s all out there, one way or another.
Having said that, I decided not to diss any organization that might help some folks with their healthcare needs. Any organization can get big enough to have some folks where it didn’t go as planned. It happens. If OTOH I saw a consistent bad pattern, I would redflag it, and I haven’t seen that, yet, with any of the big three. JMHO.
It would seem to me, though, that just about anything other than a broken arm or some injury can be said to be “pre-existing” . . . and denied.