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Sadly, there is no clear-cut answer as to what exactly is covered, by whom, or for what amount, so each individual is left to figure it out on their own. But a short phone call (and even the risk of speaking to some unhappy and less-than-helpful phone operators) could be worth the possible savings. More importantly, keep your eye on the "long-run", as that's when we're more likely to see changes as the result of our letters and phone calls. It's not a perfect system... yet (says the ever-optimistic me)!
