How can it be legal for a Medical Insurance Company to deny benefits to a customer?

Isn't that the whole reason for paying for insurance? Shouldn't all conditions, ailments, and injuries be covered? If not, then way are we paying into insurance?

Why isn't their an insurance company out there that can provide this kind of service?

I don't think the US Government should allow companies to operate that offer insurance and then deny benefits to someone who has been paying for coverage.

Ok just to add, this is not about me, but I work in the medical field and I hate seeing patients that die from not receiving treatments because their insurance companies denied benefits.

An insurance company is out to make a profit for it's shareholders. It does this by estimating risk and assessing costs predicted to cover the risks and allow for profit.

To do this, they write out contracts, called policies, that lay out what risks they are willing to cover and what limitations apply. If they didn't do this, they would be cheating their stockholders.

All benefits must have limits. This is because there is a finite pie to pass out. If they payed the multi-million dollars required to service one patient to the limits of modern medical care, they would deplete the very reserve needed to meet their other obligations.

The plain truth is that it is a business like any other. Not a church, not a moral exercise and not without constraints.

Al insurance policies have limities and conditions. You should read your contract before you sign it.

look for one that covers what you have or start your own company