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In November 2006, I purchased a short-term health insurance policy from FSL (http://www.fslins.com) because they are the provider of my alma mater's insurance plan. All application questions were answered accurately and truthfully - qualifying me for coverage. On December 26, 2006, I fell ill and was checked into the hospital from the emergency room.
The illness was not pre-existing - and in fact, FSL now states that the issue is not a pre-existing issue (a change from their original position for almost one year). They simply decided to rescind my insurance policy without cause in April of 2007 - effective from the date it was activated on December 1, 2006.
They have provided documentation from non-medical resources indicating their "concerns" about a pre-existing condition that they did not ask about in their application (i.e. references from www.answers.com rather than references from American Medical Association, American Heart Assocition, or other noted/respected sources).
They still refuse to pay the outstanding bills. I need payment for all bills as contracted in November 2006, as well as payment for my year-long (longer) battle with them to urge them to honor the contract. Their actions have caused other financial harm in terms of credit, interest rates, and otherwise - in addition to lost work.
I'm still battling this issue through the Insurance Commissioner's office and reporting them to the Better Business Bureau. I'm still sorting through the best legal firm to handle the case.
Warn every alumni group and business about FSL's negligent and unethical practices. Insurance is an important investment because nothing is more important than your health. It's unfortunate that this company seems to feel that money is, in fact, so much more important that they will defend their breach of contract.