@Albert *******
I told them from the start my pre-existing conditions and age 68 now and the price was around 45,000 with a 40,000 payment I have to pay for anything first then they cover the rest, like most there is a wait period for certain conditions like my cataract it was 12 months.if you pay out the 40,000 then you don't pay that until the start of the next year.