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Originally Posted by Kelly4ADR
Henry, I have yet to send you my info, but I will! Just a note, make sure you write down who you spoke with at the insurance co and even record the conversation if you can... If the employee tells you something, even if it is false (but in your favor) a lot of the time they will honor it...but you have to have proof.
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This is correct, it might be hard to get them too do it but technically they are supposed to honor it. I don't know much about the health insurance but I have taken licensing exams for property & casualty insurance. It's called estoppel, if an insurance employee gives you information and you acted reasonably based on what you were told, they have to honor it. I've also studied it in my law classes, under the estoppel doctrine a company is liable for any damages that you suffer if you are misinformed.