To some insurers, a pre-existing condition is anything for which symptoms were present, and a "prudent person" would have sought treatment prior to start of coverage.
The usual thumbs down by one of the usual suspects, one who always says he doesn't use them. On a post I thought was a logical reply to this topic. I'm guessing it's an automatic thing, where they can't help themselves.
Maybe I just misunderstand what you mean, but it sounds like you have that upside down. More difficult requirements means that MORE people use agents to circumvent those requirements.
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