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You need to cover transplants. Having arbitrary rules for how long someone needs to be on the plan prior to coverage is the same round about way of denying preexisting conditions. How can you deny a four month old baby the only treatment option available for her live? There is no alternative treatment.

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Give the 4 month old kid a liver. This is a bit of a ridiculous policy. I hope either this company does the right thing or totally collapses financially.

Give the 4 month old a liver, please.

It's interesting that you have a cover photo of a group of girls having fun and being "fearless" yet you're denying a 4 month old baby girl a life saving liver transplant because she hasn't been on the plan 2 years.... I mean, the audacity of these folks?!? Thinking their insurance company would break their bull crap 2 year rule for them, SHE'S 4 MONTHS OLD. This is disgusting, you are disgusting. I'm glad I no longer have your insurance, cold hearted monsters