first of all businesses are only supposed to make yu wait 3 months then add you to their insurance policy. EVEN if you had preexisting conditions. it sounds like they got a hold of your file and they are putting you off for one reason or another. This past year the rules changed drastically on insuerance and coverage so you may want to call you City Insurance Commisioner and advise them of the situation because if you are ful time you as an employee are supposed to be awarded benefits despite your medical condition. Plus now there is no lifetime cap on medical conditions of 1 million dollars like there used to be. Therefore you cant max out your medical insurance if you have a terminal or chronic disease. in the mean time therer are smaller supplemental groups like aflac that have policies that would cover hospitial and family coverage in the event you needed it and the premiums aare very low. hope this all works out for you. please let me know how it works out!!!