"Oh, we'll cover you, but as soon as you get some sort of disease/health issue that will require us to pay some money so you can get the proper treatment, we are going to drop you." I suppose I should clarify it a little, I wasn't dropped per say, I was just inelligible for applying for another term. "So could you apply again in six months? (Not saying that's really an acceptable answer)" The ironic part is, I'm an insurance company's best case scenario. I'm fine with quarterly visits to the endo and oral meds. That's it. Since I'm an otherwise healthy 24 year old, I don't have any complications or other needs, but insurance companies see that dreaded D word and think that they have to shell out tons of $$ and get the rejected stamp ready