Exactly. And often it's an either/or thing - you can afford the insurance or you can afford to pay for your treatment out of pocket, but not both.
(I also think the 'vaguely construed' part is very important. I think a lot of people when thinking about pre-existing conditions think of them as very fixed and specific things, but if you're looking at it from the point of view of a company trying to weasel out of paying for something, quite a lot of pre-existing conditions have a whole host of things that *MIGHT* be related, and how can you prove one way or the other? Heck, who has the energy to get into that kind of argument? A lot of people don't, or don't even realize that they CAN argue things.)
(To be fair, I do not think all insurance companies are evil. But I think the way things are now is ridiculous. It really did relieve quite a lot of stress I didn't even know I was under when I was living in the UK and finally qualified for NHS coverage.)
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(I also think the 'vaguely construed' part is very important. I think a lot of people when thinking about pre-existing conditions think of them as very fixed and specific things, but if you're looking at it from the point of view of a company trying to weasel out of paying for something, quite a lot of pre-existing conditions have a whole host of things that *MIGHT* be related, and how can you prove one way or the other? Heck, who has the energy to get into that kind of argument? A lot of people don't, or don't even realize that they CAN argue things.)
(To be fair, I do not think all insurance companies are evil. But I think the way things are now is ridiculous. It really did relieve quite a lot of stress I didn't even know I was under when I was living in the UK and finally qualified for NHS coverage.)