RR. great deal ...are you a Federal employee ( or retired ) or was this thru your employment .
Before Obama Care , BCBS denied me coverage when I disclosed that both my father and grandfather had died relatively young from heart attacks ...pre existing condition.
They wrote me an interesting letter that started out like this
" Dear Kiwi ...we would like to take this opportunity to advise you .......to F... off "....:-) Kiwi