I have a prospect who is in perfect condition, non smoker except that during the middle of last year started complaining about headaches and neck pain. Pain and headaches continued and in the beginning of this year his doc had him do an MRI... these results were negative. He has never taken any meds for his pain. Since his occupation is an auto mechanic, I would have figured his MD would have suggested that his symptoms could be muscular. Well, his application was ridered for the following: ANY INJURY TO, DISEASE, OR DISORDER OF THE CERVICAL SPINAL COLUMN, INCLUDING THE VERTEBRAE, INTER VERTEBRAL DISCS, SURROUNDING LIGAMENTS AND MUSCLES, COMPLICATING RADICULITIS (WITH EXCEPTION OF NEW TRAUMA BY FRACTURE) AND ANY TREATMENT OR OPERATION FOR... I have called all the other companies I am appointed with and got the same scenario from each: If there is no diagnosis for his headaches and neck pain, they would decline. When I first called the prospect, he told me he had MEGA and that it Su**s! I guess he is going to be stuck with his bad health plan. Being relatively new to the health field, I thought I would share this and welcome feedback. By the way, I am having some neck pain right now from staring at this laptop... guess I better never mention this to my MD.