Thanks E for this.

I have asked my doctor, and the health insurance agent that I met with recently. No one knows 'nothin'.

BTW, that health insurance guy seemed so depressed I couldn't stand it. He said nobody really knows anything yet until Oct. first. I think he was letting me know not to make any decisions until then. Hmmm.

And, of course they cheated. Perhaps that means it can be undone...