"I'm going to post this-despite knowing the replies I'll get. ("this would NEVER happen to us", "well, you probably missed a premium, etc. Things WE used to say). 15 years ago, I was in my 1st year of Med School-a "returning student" at 37. My husband made over $250K/year, I went to working part-time as we had custody of our 6 children between the two of us. We owned a beautiful 4 bedroom, 1 office home, two nice cars, took nice vacations, had over $60K in the bank, health insurance from a company I'd had mine through for over 20years. We bought two beautiful horses. Two years later, I was on Summer Break when a tornado hit our home. No one was there at the time, Thank God. After stressing out for two weeks as my hubby was on an out of town contract at the time in MD., (we lived in Al), friends talked me into going for a ride-horseback ride. I'll TRY & shorten this: Spinal Injury->Spinal Rehab->Insurance dropped me, "pre-existing condition", (and completely legal in Al at the time-NOW..." - SoloPoconos View