Nine Pack

Danny,
Our HSA cover does cover pre existing conditions, provided you are not already recieving NHS 'In Patient' care, I imagine that means if you are in hospital already. Have a look online as when you join on the net, they may be able to waive the 3 month qualifying period before you can claim.

On the subject of the rotator cuff, here's some info I gave a guy on the CNP forum recently. it's a little late in the discussion I know but still relevant:

The rotator cuff consists of the infraspinatus, supraspinatus, Teres Minor & Subscapularis muscles. The Rotator Cuff muscles (R.C) serve to maintain stability in the joint (amongst other functions) and to prevent the larger muscles from dislocating the humerus during thier actions.
Trouble starts when the deltoids get proportionately stronger than the R.C muscles, which reduces the gap between the proximal head of the humerus & socket in the scapula (called the sub acromial space). This gap is needed to allow free movement of the tendons as the shoulder goes through it's full range of motion. This means that the tendons of the R.C muscles get 'impinged' during most movements.

Left unchecked, this will rarely sort itself out as repeated movements will only serve to further inflame the tendons as they are dragged through the reduced sub acromial space. This will eventually lead to a tear in one of the tendons which will almost always require surgery.

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