Julie, you are my dear friend and I just want you to be happy and to try to relax. Things always work out the way they are supposed to . We must have faith. I am reading about this coverage that you can buy to "wave the preexisting condition". I'm going to email you a link on a website where they discuss this and maybe u can show Richard and your insurance broker too. It seems if you purchase this "waver" then you can still be covered. HOPING for the BEST!! Try to relax today!!