That's cool. The times I've had insurance I avoided complaining
   about certain things for precisely that reason: Before something
   is a pre-existing medical condition, it's fine with the current
   insurance but then when insurance changes it BECOMES
   pre-existing from THAT company's POV and then any of the initial
   assistance goes away. I never liked that setup.   That's cool.
   The times I've had insurance I avoided complaining about certain
   things for precisely that reason: Before something is a
   pre-existing medical condition, it's fine with the current
   insurance but then when insurance changes it BECOMES
   pre-existing from the NEW company's POV and then any of the
   initial assistance goes away. I never liked that setup. == I've
   been avoiding it (because I know if you wait long enough, you
   get a letter that tells you what you need to do... and because
   sometimes a LOT changes from the initial 'push' of new programs
   by the time the letter arrives in the mail). Same thing with the
   home refinance thing. Love the idea, then I saw how banks had
   sneaky ways of pushing back, leaving some ppl high and dry (wait
   - that'd be wet and cold) without homes. So, we still pay 6.875%
   even though probably _nobody_ does anymore because once you open
   your mouth and complain, something changes that you can't go
   back on. == I'd have considered the refi but when they changed
   the whole credit system to require proof of income for... well..
   EVERYTHING it felt rather invasive. I'm not making what I did to
   _get_ the thing but we're hanging on. I don't mind the IRS
   knowing my income: That's their job and as much as I could
   complain about typical wasteful spending, that's the
   politician's job: to waste our money. But beyond the IRS, ain't
   nobody's business tongue emoticon I don't want to undo past
   efforts just for a faint chance of making month-to-month life
   easier.