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I have asthma so it is impossible to get any kind of insurance that will cover any kind of asthma related stuff. Actually, most companies either flat out deny me or they give me such a high quote on the premiums it isn't worth the money. It is cheaper to pay for the medicine and doctor visits out of my pocket then the excessive premiums. So I went out and got a "catastrophic" policy. This is supposed to cover me if I have something major happen like a heart attack or need a major surgery or suffer some kind of major injury. But when I filled out the form I swear I had half the pre-existing conditions. I have asthma, I have broken a few bones in my life, I was once hospitalized for an illness because they thought I had mild pneumonia so they kept me overnight to make sure - only to find out it was just bronchitis, when I was about 9 months old I had scarlet fever...twice. It is nothing outrageous for a person my age (save maybe the scarlet fever stuff), but I'm confident that if I ever need the policy they will use one of these things to deny my claim and stick me with the bill.
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