You're right again. For profit insurance companies will find any reason possible not to pay for a claim. Now, the Republicans are trying to make it so that if any company disagrees with any disease or treatment, they will not have to pay. If a company is against gay people, they shouldn't have to pay for AIDS treatment - it doesn't matter that you can get AIDS if you're not gay. A loophole to benefit insurance companies and their rich corporations has been found that must be exploited. If the company tells you not to smoke and you do and get lung cancer, they don't want to have to pay - even though I've known 2 people who never lit a cigarette and died of lung cancer. Where will this end?