David Shield has recently denied coverage for saying I may have chronic pain that i didn't tell them about in my application! I don't, but let's say I do. So if I do isn't it a pre existing condition? Yes. And it's a violation of US federal law! So they use United Health care to provide insurance coverage in the USA as a 3rd party. They can deny whoever whenever they feel like! Don't bother getting coverage from them, just imagine if something serious would happen and they screw you like they did to me, now I got to deal with 13k debt! Waste of money paying them all this time for nothing. Find a better insurance, take my advice.