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The way to find out will be to (threaten to) sue your insurance company, which is costly in terms of time and money.

I would hate to have to go through the effort to try and sue my insurance company to get this information.

> which is costly in terms of time and money.

Yes; to you. The insurance company just has to figure out if it's cheaper to see you in court, or to pay for your medical claim.

Also, many people won't sue even if they have a legitimate claim.