My first thought on this is yes they would deny....
Have any of you been faced with this, or know anything about it?

My current Ins is through my employer and the company pays the premiums (almost $700/mo!). Due to corporate greed, my company and my job may be desolving within a year or so and I would not be able to afford that kind of premium.
I don't want to have to feel 'stuck' with this Ins, but maybe I am. I hope I have a few yrs left with my battery life, but who knows. This is something I'll eventually have to face, be it next year or 5 yrs from now. Sure wouldn't want to be stuck paying for the whole thing out of pocket!

If anyone can chime in, I'd appreciate it

Rae