Only, as an employee benefits attorney, I spend my days answering questions from the employers and insurers, who are usually just as befuddled about how to interpret various benefits language.

(Here’s a link to one of my favorite articles about the difference between legal “compliance” and legally required “communication”: http://www.privacyrights.org/ar/HIPAA-Reading.htm)

It’s a good thing you didn’t waste your time and postage. This is what would have taken place:
1) Letter received and opened by one of many “administrative assistants”
2) Letter forwarded to Customer Relations Dept and assigned to a service
rep who knows about as much as the one you called.
3) Service rep will send a reply which will amout to a load of “mumbo jumbo”

You will then find yourself wondering why you bothered in the first place.

Sad, but true!

(note to self: make an effort to be more ‘clever’ next time)

at least aetna hasn’t dropped you, or something completely ridiculous like that.
but you’re human, and not property in a high-risk flood zone.
health insurance, it seems, is getting more pointless on a daily basis.