[incision]

>"Before if you had minor medical stuff insurance was there. But as soon as you got legitimately sick (e.g. cancer) they quite literally went back through every form you ever filled out looking for an error, typo, or omission in order to cut you."

This is pure truth in my experience [1].

Yes, all of it, but it's not just your forms - they'll scour phone calls too. Anything you've communicated can and will be used against you.

Problem is, it's the sort of thing that seems too unlikely or simply too far off until, out of blue, it hits you on the backside of a routine visit. More insidious is the way the scheme necessarily limits the number of people who survive to talk about it.

1: I spent years fighting this on behalf of a terminally-ill family member and I witnessed the lengths a company will go to in order to avoid making payouts first hand while working for an insurance company.