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SP asks,

<< If a particular condition needs to be covered at the choice of the buyer, then the seller is required to truthfully tell the buyer if it is covered--or not covered>>

You know, sometimes people make comments that aren't clear. When that happens, the right thing to do is to rephrase your comment to make it easier to understand.

Perhaps someone else would like to explain the first comment posted above?


Back during the Chickenhawk Years of Bush/Cheney, health insurers had the "privilege of rescission" on insurance contracts.

Obviously, they didn't want to spend the money required to thoroughly vet every health insurance application that came through the door. So they only closely examined applications "after the fact" when the customer filed a claim.

You could be paying premiums for ten years, and then when they discovered you had melanoma and it cost $150,000 to treat it. The insurer would go back over your medical records and say "you failed to disclose that blistering sunburn you got as a teenager" so we're clawing back your health insurance coverage.

The Chickenhawk Years were even a more profitable time to be in the health insurance business than the tripling of health insurance stocks since Obamacare was enacted.

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