|I FINALLY reached the insurance company after a week of calling and getting cut off by answering machines. I was told to go to the ER. Glad I called. Unless its life threatening, ER wouldnt have been covered. So now I have a Dr apt which is covered. I"m not sure other countries are like this but I am going to call/ask and be on hold for an hour if I have to to find out what the lame rules are.