Jim - there may be laws against that but the insurance companies are banking on the fact that there won't be too many "lead mules" around to take on the fight and the fact that they can take advantage of people when they are sick and not putting up much of a fight. Several years back my health insurance company (with whom I also had auto, homeowners with) dropped me because of a comment a doctor in one of those walk-in clinics made on my chart about a "possible" diagnosis (which ws erroneous). After a lot of back and forth between the clinic and the Ins co and myself - I was reinstated and the doctor was no longer with the clinic. The insurance companies are in business to make money and that's what it boils down to. They are not the most altruistic people in the world.