Just got off the phone with a guy who's wife just had a 4 way bypass...and coverage with Mega. He's just now realizing what sort of exposure he had/has. Poor b*stard. How do they get away with this limited stuff without some disclosure? Or is it ultimately the consumer's fault for not doing enough due diligence? I talk to some people with their coverage, and they think it's the greatest thing since sliced bread.