Thanks very much Maus, very informative to me. Even outside of national laws, aren't there state limits to the "pre-existing condition" look back period?
As soon as you have the surgery once, you now have a pre-existing condition? Even 5, 10 years pass it will still be a factor in obtaining insurance, even in states with these limits?
I was able to find this:
"For example: Mike J., a 34 year old man, recently got a new job after being unemployed for almost a year. His new company allows employees to participate in its health plan at the end of the first pay period. Mike has mild asthma and sustained a knee injury playing basketball when he was in his twenties. In the six months prior to the time he enrolled in his employer’s health plan, he had no doctor visits and did not take any medication. He was not subject, therefore, to any exclusion period for his pre-existing conditions. Shortly after he started working, his asthma worsened – he was fully covered for all of his asthma-related care."
This sounds similar to what I was asking. I think as long as one stays out of the no limit pre-existing condition states (Alaska, Arizona, Arkansas, Delaware, District of Columbia, Louisiana, Missouri, Nebraska, Nevada, Oklahoma) and can wait 6-18 months between claims, you wouldn't be denied health insurance and claims for a such a condition in the future?