Reply #1: I had a problem with my former insurer refusing to pay a claim

[PA Democrat]

based upon a purely fictional "preexisting condition". It was the threat of a lawsuit and a complaint to my state's insurance department that finally made the crooks pay up.

However, this same company (Assurant Health, formerly known as Fortis) has been successfully sued, and has had HUNDREDS of complaints filed with various states insurance departments for this same problem. During one lawsuit a former employee told of bonuses based upon the percentage of claims denied. The company continues this corrupt and sometimes deadly practice because the worst they get is a slap on the wrist, and occasionally, someone successfully sues them.

It's still more profitable for them to be corrupt and keep denying claims based upon manufactured reasons. IMHO, these bastards need to be personally prosecuted for theft, manslaughter, or whatever charges may apply, and the company should be put out of business for repeat offenses.