MIB,
Unless MI has a mandate that makes Assurant cover preventative care upfront, then when they say 100% covered they mean towards the deductible without being subject to their normal $500 per person per year benefit cap on preventative care.
What some carriers allow as preventative and don't allow varies greatly. In my experience w/ Assurant, I'll be shocked if the EKG is upfront covered unless its mandated by the state.
Did the preventative benefits not get increased in CT like they did down here?