M.J. is 28 years old. She is involved in a car accident. Her right knee hits a sharp object and she sustains a deep, localized injury to her articular cartilage. "You've sustained chondromalacia to your femoral condyle" says the orthopedist, "and you need surgery".
The surgery is scheduled, but the insurance company suddenly denies coverage to M.J. Why? The insurance company discovers that as a teenager another doctor had already diagnosed M.J. with chondromalacia. Thus her condition is 'pre-existing'. Ridiculous? Of course. The two doctors have used the word chondromalacia to mean two different conditions. Had both her doctors used better, more specific terms M.J. would not have to fight her insurance company.
