OldNSalty, I am so sorry to hear about your wife's condition, but am VERY glad to hear that she's improving. I agree, it's worth a try, but if they don't come through for you, please know that it's not because they're out to get you. I pray that they'll work with you. Please, remember, insurance is always the best thing to have. You never know when you'll need it. (No, I'm not an insurance agent:) ). We just went through a huge outbreak of tornadoes in our area, totally unforseen. There are people with homes destroyed that didn't have insurance. It's just tragic.
I'm pulling for you!