Emily (my 33 yr old wife) has decided that it be best she stay home with our two new children to care for them until they are of age to attend pre-school. So her healthcare is being canceled at the end of July.
Rather than the entire family joining my company paid plan, we decide to pay out of pocket for a high deductible HSA plan to cover the three of them. Well...Emily was denied healthcare coverage because of she contracted a staph infection (a 3 day prescription treatment), has a mild case of post partum depression (estimated 30 day treatment) and takes acne medicine occasionally. Not only that but, my 22 month old daughter was denied because she has allergies which stemmed from contracting whopping cough at an early stage in her life.
And to add to the scenario, now my 9 week old son cannot be covered because my wife nor I are on the plan...
They are willing to sell me a high rate Pre-Existing Conditions plan though...Yeah I've got two words for them!