YEP YEP You got it.. Thank you for saying it aloud. 
No wonder it s getting too expensive to buy insurance nowadays because ppl abused it for a wrong reason. Sighs! Also I feel sympathy for many people who couldnt get the coverage by insurance when they got cancer or any other serious health illness .. CI is the one that should not be coverage by insurance . So be it!
It s not necessary that have to have CI to coverage by insurance.
Angel HA and CI are the same behavior patterns that doesnt make a big difference in many ways.. We are still having a plm with hearing people who doenst have any respect for any deafies with HA or CI in this society.. Also many CIers doesnt have a job as well. I have seen it myself and couldnt understand why is that happens here in this society and still being so negative about deafness that cannot be fixed at all?
Thank you!
Sweetmind
