| Be preapred for a fight. The "medical profrssionals" they have working for the insurance companies have been away from clinical practice for so long that their knowlesdge is archaic! I mean we all have experienced medical people in hospitals who don't have a clue, what can we expect from people who haven't been in the "real" world for 20 years.
I remember trying to get long term care insurance, my A1c is 5.6, I take blood pressure meds for the prophylactic purpose of preventing kidney disease. Because I was on these meds, they turned me down. I asked this "RN" for her fax number and faxed her articles from medical journals about the preventative benefits of blood pressure meds. I still didn't get the coverage but I felt better. | 
