You are more than welcome. My husband and I have different companies, but both reimburse you for the dollars paid during the waiting period. In my case, with New York Life, the waiting period was reduced from 180 days to 20 (!!!) if I used their special intake process. AND the days provided by Medicare during the healing period after my surgery counted! Of course, all companies have different rules, so when I started to claim my benefits, I still had to get through some challenging steps, but at least it wasn’t a swamp. Over the years we had spent a ton of money in premiums, so when I thought about cancelling, I decided that those were just sunk costs, so I kept on paying. Boy, am I glad I did. I am more than happy to help you answer your questions if I can. Thank goodness for this Mayo board. Wish I had had it ages ago. Bette