The pre-existing condition part of ObamaCare went into effect on January 1, 2014. All of this happened between October and December last fall. I think Humana is in the clear on being able to do this for services last fall. Unfortunately.
OK, people assumed this had just happened.
So the policy went into effect prior to January 1st.
Not a good outlook for legal action, other than bankruptcy.
But still have her find a good advocate.