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In Maryland every insurer has the right to decline coverage for pre-existing conditions...except for one. Blue Cross/Blue Shield. Called "carefirst" in Maryland.
BlueCross/BlueShield accepted this repsonsibility imposed on them as a result of them accepting certain governement insurance needs, and them becoming the Heath Insurer of Last Resort.
I would imagine it is different in every state.
I think it is definately possible for insurers to refuse pre-existing conditions. I suspect that most states have an insurer of last result. (that doesn't mean it will be affordable).
Sorry to hear about your missus' peepers by the way. Best of luck to you both.
-bear
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It's alot easier to ask for forgiveness then it is to ask for permission.
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