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"We acknowledge and appreciate that in your ten years as a valued client of Squeezedown MegaHealthCorp, you and your employer have paid approximately a quarter of a million dollars in premiums and you have filed no major claims until the claim in question. However, please refer to the paragraph on 'Pre-Existing Conditions' on page 2,319 of the current 'Limitations on Coverage' manual. As you may know, pre-existing conditions are not covered under your plan. According to our records, at the time you began your present employment, you had a required physical examination which clearly indicated that, at that time, you already had a heart. Obviously, this fits the pre-existing condition clause, so we stand by our determination that your surgery cannot be covered.
"Thank you for choosing Squeezedown MegaHealthCorp as your insurance carrier. Please do not hesitate to contact us with any future concerns. ..." posted 07/02/2008 at 15:05:46