Jacksonville woman dies after insurer repeatedly denies her a liver transplant

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That is correct. If the premium is paid and there is no clear statement in the policy as to when a treatment will not be paid then they should have to pay or not write the policy. It would be no different if a person was a bad driver. As long as they have wrecks and a policy in effect the insurance should have to pay. The alternative is to not insure the bad driver or raise the rates in accord with the drivers record, but not to deny a claim once premiums are paid. Some people have several drunk driving wrecks and if insured the insurance company still has to pay up. The same should be with medical insurance.

Which is why I previously said that the contract dictates the services provided.