I know from personal recent experience that Blue Crap/Blue Sh!t will do anything to protect their profit, even if it's detrimental to your health. I had to fight them tooth and nail to approve a necessary operation.
When my doctor sent detailed information and pictures to them, they rubberstamped it because it's their policy to rubberstamp. They're hoping that customers will be too lazy or meek or dumb to ask for an appeal and fight it.
Personally, I think these pre-existing condition clauses should be done away with. If this is the way citizens are being insured in America, then this has got to go. How wrong does it seem to dole out health coverage from a company whose bottom line is its profit?
I know twenty years ago insurance companies made a profit but they didn't expect their customers to die for it. What happened here to make it get this bad?
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