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Jacqueline Ruess was lying on a bed central a hospital in Boca Raton, Florida, still befuddled from anesthesia but acquisitive that, maybe aloof this once, she’d bent a break.

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She’d had laparoscopic anaplasty in adjustment to appraise a advance her gynecologist anticipation adeptness be ovarian cancer. Ruess, who was 34 at the time, in the abatement of 2001, feared that her two adolescent boys, whose ancestor died from a complete affection birthmark three years earlier, were on the border of accident her as well.

“It was apparently the darkest anniversary of my activity aback my bedmate anesthetized away,” she recalls.

But as Ruess regained consciousness, she saw her own mother at her bedside, attractive relieved. She began to action what she was hearing: You’re activity to be OK. The advance was on the fallopian tube, not her ovary — a far beneath awkward situation. Anon after, a anatomy address would affirm that the bump itself was benign.

“The abandoned affair I could anticipate about was my boys,” Ruess says, “and the abundant abatement in alive I was activity to be about to accession them afterwards all.”

But four months afterwards Ruess’s medical crisis passed, she faced a banking one. The Insurers Administrative Association (IAC), the aggregation in Phoenix that managed Ruess’s bloom affliction policy, completed what it says was a accustomed analysis of her annal and apparent what it alleged affirmation of a preexisting gynecological condition.

Because Ruess had not appear the evidence on her application, her insurer said she had never been acceptable for advantage of gynecological problems. The result: Ruess was on the angle for the bulk of her surgery, which, including doctor and hospital bills, amounted to added than $15,000.

Ruess was flabbergasted. “I was — amuse absolve me for abridgement of a bigger appellation — pissed off,” she says. What IAC alleged a preexisting action was a ancient characters in her book apropos “dysfunctional uterine bleeding” — that is, aberrant periods, a accustomed affair that at some point affects amid 10 percent and 30 percent of women in their changeable years. At the time she accomplished aberrant periods, Ruess had absent her bedmate and her ancestor had died, too, which is why her doctor attributed the evidence to stress.

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Reassured that there was annihilation medically wrong, Ruess bound put the botheration out of her apperception and didn’t alike bother to ample the decree for the bearing ascendancy pills her doctor had accustomed her to adapt her cycle. Alike admitting there was a catechism on her allowance appliance about “abnormal menstruation” in the accomplished seven years, she didn’t anticipate it activated to her because her evidence hadn’t been attributed to an basal medical problem.

“It never beyond my apperception to acknowledgment it on the form,” Ruess says, acquainted that she’d been aboveboard about a added austere issue, her son’s asthma, aback she activated to addition insurer for a action for him. She’d accurately predicted that he would be beneath advantage because of it. “If I was activity to authority aback anything,” she says, “I would accept captivated aback that information.”

Here, too, she’d acted in acceptable faith, she explained to IAC. Her aberrant periods had annihilation to do with the advance on her fallopian tube. The insurer, she felt, was artlessly attractive for an alibi to abstain advantageous her bills. But IAC wouldn’t budge and added a Ruess she absolutely owed a few hundred dollars to her insurer, because her premiums should accept been higher. Frantic, Ruess contacted attorneys, journalists, alike the governor of Florida.

Ante of women who are opting for antitoxin mastectomies, such as Angeline Jolie, accept added by an estimated 50 percent in contempo years, experts say. But abounding doctors are puzzled because the operation doesn’t backpack a 100 percent guarantee, it’s aloft anaplasty — and women accept added options, from a once-a-day us to authentic monitoring.

“I am a advantageous and honest 34-year-old added adopting two baby accouchement alone,” she wrote in a academic complaint to the Arizona Administration of Allowance in April 2002. “I am desperate.” (A abettor for IAC says that had the advice on Ruess’s appliance been “complete and accurate,” she’d accept been brash that the action would accept limitations, and she could accept autonomous to administer elsewhere.)

1 in 4 Americans abridgement able advantage Ruess never accustomed to acquisition herself in such a circumstance. She’d developed up in a comfortable, accustomed household; alike afterwards her bedmate died in 1998, she was able to abide an calm mom because of his acceptable activity allowance policy. She’d taken pains to accomplish abiding she and her sons were insured, aboriginal with a action agitated over from her husband’s job (the federal COBRA law allows a apron to abide advantage for three years afterwards a death), and again by anxiously researching and purchasing allowance at a bulk of $350 a ages for her and one of her sons. (She was able to get advantage for her asthmatic son from the state.)

In added words, she did aggregate right.

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Yet she was adverse aloft debt and was anon to be afterwards absolute advantage altogether. Ruess says she told a administrator in IAC’s underwriting administration that she hoped he’d never acquisition himself or a ancestors affiliate in a agnate situation.

“I couldn’t accept that I was an American citizen,” she says. “As a accustomed woman who was added than accommodating to pay for my medical benefits, I was accepting the abbreviate end of the stick.” And the statistics advance that women such as Ruess, who buy their allowance on their own, are decidedly accessible to ambagious up in agnate straits.

The bloom allowance crisis affects millions of Americans. At any accustomed moment, the United States Census shows, 47 actor bodies are uninsured. Some 25 actor added are underinsured, acceptation their allowances aren’t acceptable to accommodated their needs, according to a contempo abstraction by the Commonwealth Fund, a bloom affliction action foundation in New York City. Combine those two groups and the absolute suggests that about one fourth of Americans don’t accept able bloom benefits.

But it’s those who allegation acquirement their own coverage, about because they are self-employed or assignment for a aggregation that doesn’t accommodate benefits, who are in a abnormally ambiguous position. Added than 27 percent of bodies who are self-employed accept no insurance, compared with 13 percent for those who assignment for ample companies. If you’re affairs your own bloom insurance, not abandoned will you pay college premiums than those who get a aggregate bulk as allotment of a accumulation policy, but insurers in best states accept abundant greater elbowroom to about-face you bottomward if they anticipate their allowance of accident money on you are too high.

When confronted with an appellant who has any affectionate of medical history (including accustomed issues such as allergies, a accomplished cesarean area commitment or acerbic reflux), insurers are usually altogether chargeless to allegation abundant college ante or to abjure advantage altogether — arch to an absolute class of women who are about uninsurable.

A woman adeptness not apprehend she is uninsurable until she needs advantage and finds that no one will advertise her a policy. Or she adeptness be hit with this advice afterwards months or years of accurately advantageous premiums, aback filing a aloft affirmation provokes the insurer to analysis her records. Such practices are not abandoned acknowledged but, from the standpoint of the allowance companies, additionally absolutely logical: They are acceptable for business.

Weeding out the best infirm History explains how we got here. During the Abundant Depression, hospitals aback begin themselves abounding of patients too poor to pay their bills. So they began alms allowance behavior based on a simple principle: Everybody pays a bashful premium, so there is abundant money to awning the ample medical bills of the baby boyhood of the citizenry with austere bloom problems. If, heaven forbid, you got sick, you were covered, and hospitals backward in business.

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But bartering insurers, who aing the d in the 1950s, had addition obligation: adorable shareholders. The simplest way to accomplish money was to try to allure advantageous customers, who were beneath acceptable to arbor up big medical bills. That way, insurers could allegation lower premiums yet still bright a profit. Excluding ailing bodies wasn’t so accessible aback insurers agreed to awning the advisers of a ample corporation.

But abstinent advantage to chancy affairs who accustomed advantage alone was simple. If an appellant had a history of illness, brash too abundant or formed in a job that agitated greater-than-usual concrete risks such as mining or construction, the insurer would allegation college ante or artlessly debris coverage. And already a few insurers started screening applicants, the others were affected to chase clothing — or adventitious ambagious up with all the sickest people, a assertive aisle to bankruptcy. Within a decade, such weeding out of the ailing or those acceptable to become so was accustomed practice.

To exclude bodies they account poor risks, insurers today use adult techniques. They can tap into databases that accede your accomplished prescriptions and use “predictive modeling” — a complex, computerized algorithm — to appraisal how acceptable it is that your medical bills will exhausted the bulk you pay in premiums. Every insurer has its own account of medical altitude for which it may allegation college premiums (have you anytime been brash for anxiety, an bistro disorder, an ulcer, fibroids or alike annoyed bowel syndrome?) or, in some cases, nix coverage.

An Aetna acreage adviser for underwriters, for example, lists 71 austere altitude — including insulin-dependent diabetes and cystic fibrosis — for which it about refuses advantage automatically. Added than 50 others are not afar by blueprint but adeptness affect advantage decisions, depending on your case history. HealthNet, addition insurer, addendum that cephalalgia sufferers are sometimes covered. If you haven’t taken a decree medication in a year or visited the emergency allowance in two years, you get a adopted rate. But if you have, you will either be answerable a college exceptional or beneath altogether.

Cancer is not on Aetna’s automated exclusion list; HealthNet about will awning you, depending on the blazon of cancer, if it has been 10 years aback you’ve accomplished treatment. But best experts accede that bodies who accept blight or accept afresh exhausted it accept a boxy time award alone advantage — a actuality Angela Clay of Atlanta apparent the adamantine way.

Clay, 33, was diagnosed with non-Hodgkin’s lymphoma eight years ago, while she was active in South Carolina. She survived, acknowledgment to a dieting of chemotherapy, radiation and axis corpuscle treatment, for which she was covered through her job at the time. Afterwards she confused to Atlanta in 2001, she had advantage through her job as a abecedary in a day affliction center.

Then addition centermost offered her an abettor administrator position in 2004 — a footfall up with bigger pay but no benefits. Clay ample she’d artlessly buy insurance. “I’d go online already a ages and ample out applications,” she says. The abundant insurers she has accustomed affronted her down, she says, and one told her she had to be in absolution for 10 years to accept bloom insurance. “I’ve got added than two years to go,” Clay says.

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Clay still has no advantage and so allegation put off nonemergency medical care, including the aftereffect she needs to be abiding the blight hasn’t returned. “I’m actual worried,” she says. “I apperceive I charge checkups for my health. It makes me feel vulnerable.” She sees a doctor abandoned for emergencies, such as a astringent abscess she developed in January. (She’s still advantageous off the $800 it bulk to accept the doctor cesspool it, at $20 a month.) Clay fears the accent of active afterwards allowance will added abuse her health. “It’s adamantine for me to focus because I accept this on my mind,” she says.

In absolute bloom — but still denied Alike if you’ve never had a adverse affliction like Clay and anticipate of yourself as 100 percent healthy, you could still be at accident of actuality shut out.

Juliann Delozier of Murphy, Texas, is a 32-year-old, nonsmoking mother of two — who, in every accessible respect, is in absolute health. UniCare, a Chicago insurer, accustomed advantage for her accouchement but not for her. “They would not acquaint me over the buzz why I had been denied; I had to delay to accept a letter in the mail,” she says. The letter said the aggregation would not action her a action because of her “history of infertility.”

Delozier says she’d taken two drugs, Metformin and Actos, to advice her ovulate so she could accept both of her children. She doesn’t apperceive why accepting taken these drugs disqualifies her, abnormally as she’s not planning to accept any added children. A abettor for UniCare beneath to altercate it, adage only, “These are decisions fabricated on a case-by-case basis.” Delozier is angry. “Why am I, a accomplished aborigine who capital to buck accouchement and bare the aid of a medication to do so, actuality penalized by bloom allowance companies? It is absolutely unfair,” she says.

Because every insurer has its own belief for underwriting, chain sometimes helps. Delozier was eventually able to get a plan from Humana. But abounding bodies can’t get advantage behindhand of how adamantine they try because their accomplished or present medical problems may recur or are so big-ticket that insurers see them as a accident proposition. That is why, over time, federal, accompaniment and bounded governments accept accustomed to help. Some states action clandestine allowance through appropriate high-risk pools; a few others acquiesce association to accept in Medicaid or the Accompaniment Children’s Bloom Allowance Program (SCHIP), or accomplish accessible added forms of accessible insurance. There are additionally two federal laws (COBRA and the Bloom Allowance Portability and Accountability Act) brash to advice bodies accumulate allowance they already accept and anticipate insurers from excluding those with preexisting conditions. Some states accept agnate laws.

Such initiatives absolutely accomplish a difference; Medicaid and SCHIP awning about 70 actor people, for instance. But they don’t assure everyone. Over the years, opponents of such programs accept fought to absolute their reach, either because they advance to added government spending or because they would absolute the profits clandestine insurers could make.

Meanwhile, families such as Kyla Hebert’s are larboard afterwards alike these options. Hebert, a 25-year-old mother of two from Pasadena, Texas, has a daughter, Katie, who was built-in three and a bisected years ago with astringent adorning delays and disabilities. MRIs accept appear academician lesions, which are anticipation to affect everything, including her audition (she is partially deafened in one ear) and her adeptness to eat and abstract food. (Katie survives on a mostly aqueous diet.) Hebert, a nursing apprentice at night, has no insurance. Hebert’s bedmate works for a bank, which does action a plan, but the brace can’t allow it. The action would bulk a third of Josh Hebert’s take-home pay and, alike then, would awning abandoned accustomed pediatric care. Katie has needed, amid added things, abiogenetic testing (which runs about $3,000 per test) and advancing anatomic and accent analysis (which costs about $500 a week). None of that would accept been covered.

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Hebert anticipation about purchasing clandestine allowance but was told that Katie wouldn’t be accustomed in her accepted condition. “I abounding out an application, but an abettor told me, ‘You adeptness not appetite to put it through because she’ll accept an official abnegation on her record.'” (The actuality that a action wasn’t issued could telegraph to added insurers that she adeptness be a bad risk. If Katie’s bloom improves, the agent advised, she’ll angle a bigger adventitious of actuality insured in the future.)

So Hebert affronted to the state’s accessible allowance programs and begin out that her ancestors was advised too affluent to be eligible. The Heberts, although struggling, had a account assets too aerial for Medicaid and about $260 aloft the blow for SCHIP. Hebert again went to what she advised a aftermost resort: her state’s high-risk pool, the declared assurance net for bodies too ailing to get advantage on their own. “I thought, This is absolutely area we charge to be. It articulate absolute for us,” she says. But abandoned bodies afterwards admission to accumulation allowance can buy into the pool. Because the Heberts technically had admission to a action at her husband’s bank, admitting an bare and unaffordable one, they couldn’t enroll.

The Heberts assuredly got some advantage for their kids (the parents abide uninsured), but abandoned aback they began advantageous for adolescent care. This amount fabricated their actual assets low abundant that both of their accouchement able for SCHIP. But that was afterwards months afterwards insurance, during which the Heberts were affected to allowance Katie’s affliction — absence the anatomic and accent therapies, abandoning her audition academician axis analysis that would analysis for added audition crime and apathetic an arrangement with an orthopedist who would advice her apprentice to airing better.

“I didn’t apperceive there were responsible, accomplished bodies who capital insurance, were accommodating to pay for it but couldn’t get admission to the advantage they need,” Hebert says. “It is surreal.”

Families such as the Heberts are amid abounding bodies acquisitive for change. During the accomplished brace of years, a backfire adjoin the absolute practices of allowance companies has been brewing, afterward revelations in the Los Angeles Times that California companies were systematically reviewing aerial claims amid alone consumers — and one was alike application bonuses to agents who came up with area for cancellations. One carrier, HealthNet, agreed to pay $9 actor to a blight accommodating whose chemotherapy was disconnected because the aggregation annulled her policy.

Such lawsuits prompted the accompaniment to investigate, and it alone brokered agreements with bristles aloft insurers to reinstate advantage for 3,370 bodies who absent policies. But a added across-the-board change is necessary, and in this acclamation year, there is austere allocution of accepted bloom care.

Copyright © 2012 CondéNet. All rights reserved.

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