Having insurance is not the same thing as having coverage. In spite of what the agent tells you, it is always wise to read your actual policy or benefits plan. Most policies have more exceptions to coverage than you might think. And regardless of the premiums you pay your insurance company, your insurance company would rather not pay you.

Insurers can no longer reject customers with expensive medical conditions thanks to the health care overhaul, but there’s still wiggle room for them to discourage the sickest and costliest patients fr