Thanks fl man for the reply.
I have a couple questions about it if you don't mind.
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The pre-existing condition exclusion that you ask about will be based on what you have been treated for in the last 12 months.
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Does this pertain to all insurance companies in general? Or does it depend on each company?
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I changed insurance companies and they excluded any out-patient care(chiropractic)until I was able to go a year w/o going to the chiropractor or any other doctor for my back. My insurance did pay for my ADR while that exclusion was in place.
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Your insurance company DID pay for your a.d.r during that exclusion period? I'm not sure if I'm reading that right. It seams as if that would defeat the puropose of the exclusion period.
I hear what your saying about being honest, I have every intentions of doing this. The last thing I want to do is not be honest and be denied coverage of anything. Having an attorney read a policy sounds like a great idea, just one more thing for me to save for now.
Thanks again,
Byron