In my instance, I have to be followed for at least 5 years. Right now, 1-1/2 years later, I'm on the 4-month visit schedule with a CT scan every time and blood work every year. I had spent 3 weeks in the hospital with 2 doctors, one to operate on the cancer and the other one to "put me back together" (plastic surgery), then radiation treatment EVERY DAY for a month. I guess you can imagine my medical bills at this point.
So I don't agree with Dave on this point either. As I said before, my policy at least kept my household bills up to date and paid as many doctor/office visits as I could get. There is no lifetime limit on my policy either, so i consider it a very good one.