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After we received the insurance company's decision, I tried to talk to Assurant for this story. Its only response was a written statement from Scott Krienke, senior vice president for product lines: "Due to privacy regulations, we cannot discuss the specifics of any of our customers' coverage." But he also noted that "Assurant Health's Short Term Medical product is designed for people experiencing a break in the continuity of their permanent medical coverage. Our Individual Medical plans are more appropriate for those who have an ongoing need for medical coverage."
I wish the company had told my brother that when it sold him the policy in the first place.