Insurance makes no since to me- It should be all the same- I wonder what kind of cov. she had. I am very anxious to find out exactly what kind I have. We are all in this together I will pray for peace of mind for us both tonight. I live in North Carolina where are you? It has taken me a while to find anyone who has BCBS MI- I still am not sure on the difference off the plans 1,2,hmo? We will soon find out! HAng in there!