I had a visit with the dr. today about a sinus infection. she checked me out and upon some observations, suggested that I have a sleep apnea (sp?) test done but for me to call my insurance co and see if they will cover it. well, I just got off the phone with them and sure enough, they'll cover the test.........if I'm diagnosed thru the test. wtf?! how will I know if I'm not tested?????? how can they tell you that we'll pay 90% if you do have it but if you don't, then it's my bill to pay, all 100%. these companies are a rip off, I'm glad I don't pay my premium and my employer does, I'd really get ugly with someone if I did.