We signed our infant son up with Blue Cross for his health insurance.  When he was about six months old we took him to a specialist to look at his eye.  Upon receiving the bill, they retroactively cancelled his coverage for all the well-baby checkups gone to up to that point: they actually received a refund from his health care provider.  Their excuse was a technicality, that we had failed to disclose a pre-existing condition which had nothing to do with his eye; and my wife was able, after months of wrangling, to prove to them that she had in fact disclosed all the relevant information.  They reinstated our coverage at a higher premium, but never reimbursed the doctor.  Furthermore they refused to pay the specialist, saying the issue with his eye was also a pre-existing condition.  Skipping the more pressing question of “what good is health insurance that doesn’t cover a baby’s pre-existing condition” we proceeded directly to the fine print terms of our agreement with them, which specified that a pre-existing condition is anything that had been diagnosed or treated prior to the effective start date of the coverage.  His eye had never been examined, diagnosed, or treated until we took him to the specialist.  They don’t care, we have to pay the specialist out of pocket.  In the end, we have been paying them nearly a hundred dollars a month for more than a year, and they have paid out a net of nearly zero dollars, effectively stealing from our doctor and from us.  I believe they have committed fraud and I am looking into the option of taking them to court.