Here's one of the things that bugs me. There is a small print disclaimer in John's policy that states "not all coverage questions can be addresed in your policy", which leaves them great latitude in the midle of an illness to define what they will and will not cover. Even tho John's surgeon\oncogolist wrote John Alden Ins. and explained that John's feeding tube nutrients were absolutely necessary to his survival and by prescription only, they have refused to pay for them. This is only 1 battle of many with this company. I just think maybe if we pool our experiences and battles we won or lost- it might help someone down the road. And, John Alden[now Assurant Health] is actively advertising to sell new medical ins. policies on national T.V. I could not recommend them to anyone. Amy