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Medicare may also reduce coverage for home oxygen.
One possible answer is to include coverage for home- and community-based long-term care services — the kinds of services that help people avoid nursing home placement.
Jacob S. Speidel, a lawyer at Vermont Legal Aid who helped represent Ms. Anderson, said: "Medicare often denies coverage for home health services because people have stable chronic conditions.
Another plaintiff, Rosalie J. Berkowitz, 81, of Stamford, Conn., has multiple sclerosis, but Medicare denied coverage for home health visits and physical therapy, on the ground that her condition was not improving.
In fact, a recent poll released by the SCAN Foundation, a private foundation dedicated to improving long-term care, found that almost 8 of 10 Americans (including two-thirds of Republicans) say that if health care reform included coverage for home- and community-based long-term-care services, it would personally benefit them or someone in their families.
But their struggle to get coverage for home health care for Jenna, their daughter who suffered from spinal muscular atrophy and died at the age of 13 months, underscores the difficulties that can arise when anything in an insurance contract isn't crystal clear.
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Mr. Greenberg is shifting emphasis from the slow-growing and volatile business of commmercial and personal coverage for homes and autos to the most lively sector of financial services: products intended to accumulate and protect wealth, which are greatly sought after by aging baby boomers.
In Florida, it is very difficult to get appropriate sinkhole insurance coverage for homes.
A revised community-based strategy is needed to increase advance distribution rates and misoprostol coverage rates for home births.
The occasional insurance company provides a wake-up call, denying coverage for a home that cannot be defended.
This was particularly true, and disconcerting, when a recent e-mail about earthquake coverage for my home, several miles inland from the ocean in California, prompted an ad for Clearance Swimwear.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com