@Glen ********
100% agree with you. Every insurance I had in the US very clearly stated what they cover and don't cover. That doesn't necessarily mean they will always pay a claim as there are various reasons why they may not, which are also usually stated in the details. And as you said that doesn't necessarily mean they would sign the necessary form. Brandon may very well be correct about that, but the statement that they won't tell you what is covered is absolutely incorrect. I'm fairly certain it's against the law for an insurance company to keep that a secret and expect people to buy a policy when they don't even know what it covers. The healthcare system in the US is messed up, but not that messed up.