An interesting story on lifetime benefits caps and uncompensated care. Notice the hospital will claim they lost $791 by not being compensated for the stockings.
Preexisting conditions clauses are only possible in some circumstances and often limited in duration.
If you are under a federally-regulated health plan, twelve months is the longest period of time that your plan can exclude coverage for your preexisting condition. (Ask your employer if you are not sure whether your plan is subject to the federal law.)We also discussed the fact that Federal regulations prevent the denial of emergency medical services due to the lack of health insurance. However, as this NYTimes piece notes, you can't be compelled to provide emergency services that aren't offered. Many specialties avoid ER call because ER call makes them more likely to be sued for malpractice.