Spalding should have a racket this good

Deb sent me this link.

Individual insurers may deny you coverage based on your medical history if it includes:

* Use of prescription drugs to treat anxiety, depression or a physical condition, including Ativan, Klonipin, Paxil, Prozac, Serzone, Zoloft, Xanax and Wellbutrin.
* Counseling for anxiety, depression, grief or an eating or sleep disorder. Even if you briefly sought counseling as a way to cope with the Sept. 11 terrorist attacks, you could be denied individual health insurance, according to researchers with Georgetown's Health Privacy Project.

"People who've always had group health insurance are completely unprepared when they're forced to seek coverage in this (individual health insurance) market," says Pollitz. "They think they're going to get the same coverage they had in their jobs, except they'll just have to pay a little more money. It's absolutely not like that at all. The individual health insurance market is unpredictable, inconsistent and expensive."

My feeling about insurance companies (having held a job in claims very early in my working life), is that it's a huge racket. I say, don't buy it if you don't have to.

....but hey, do what you want....you will anyway.