Welcome Krisna to IHD.You already know more than some of us but I hope we can be a place of refuge for you and maybe share what you've learned from all those experiences.Sluff/ Admin
Wow! What a story! Oh, and welcome to IHD! Hmm, one thing, if your insurance is Group Health insurance (Dental is a whole different ballgame), and you've been covered non-stop through group health insurance, "normally" the waiting period is waived and the new insurance will cover.You've probably already done this, but have your hubby's HR department or Health Group contact look into this to see.