With all this discussion of insurance coverage what I believe people need to be aware of is; it’s not  what you think. An insurance company can change the policy you have with nothing more than notice to you. They can cancel some or all policies and issue new ones with completely different terms or restrictions, costs, coverages pretty much what ever they want. So if you develop a condition like I did, that the FDA had not approved treatment (or medication) for when it is approved the insurance company can change the rules of the game while in play! So how useful is the coverage? Most people will not realize this until they need the coverage! I believe we need health care not insurance coverage!