[JohnnyZ]

My point is that if you "buy the product," the companies who sell you "the product," should pay what's promised!

You might need a company with better claims handling service. It's at least bad business practice and possibly illegal for a company to drag their feet on paying claims. But coverage will always be dependent on clauses and riders (endorsements), and believe me, they all have a purpose and are well-defined in common law. That's one reason policy language is as complex as it is -- it's already been interpreted by the courts, and if the wording were to be revised or simplified it could lead to a different (unintended) interpretation in a future lawsuit.

[NCCarrs]

Yeah, I keep looking, but it seems it truly is harder to get reliable insurance, especially health insurance. I get through work, but quacks in area accept it one day, then drop it next. Over past three years along, we've had to switch dentists 5 times and pediatricians 3 times. Luckily our main family doctor has honored the three different insurances we got.

Over this same period, our benefits have declined markedly, while in last 2 years alone, the cost to me has tripled. I'm not that old, but growing up we went to true "country doctor" who didn't take insurance and only charged $5 USD per visit. Over the 15 years we went to him, his fee tripled to $15 USD. He worked out of his home, had no fancy equipment, and wasn't terribly organized, but he sure could diagnose problems and produce cures. His analog is a Navy Corpsman => can do heck of a lot with not much, and they are damned good :- ) Enjoyed the chat!