As a self-employed professional I've always had to secure my own health insurance. In the past, whenever I've gotten a plan, there was always something that was excluded. Since I and others in my family have had medical issues in the past, the usual response was, "We'll cover you, but not if this condition happens again. If you need medical care for this past condition, it's not covered." These exclusions always irritated me, because I always felt like we had "half coverage." Recently we got a new policy and I was expecting one of these exclusions on my son because he has had eye muscle surgery in the past year to correct a condition called strabismus. When we received word that we were approved with no exclusions, I actually questioned the agent to clarify. "Do you mean that if my son needs another surgery on his eye that it's covered?" I asked. "Yes," the agent said. "We can't exclude conditions any longer, so it will be covered." How wonderful!!!!!