I've studied the app and agent guide up and down and many things make no sense. I'm only interested in learning up and down who gets level coverage. They broke out in the agent guide what ailments Heart disease,Lung disease and other diseases cover.At the end of question 3 they say prescriptions are maintenance if they stayed the same or decreased over the past 2 yrs thus qualify for level. But then in agent guide they list a few disorders like insulin,Aids etc that are graded.What about dialysis,general kidney disorders,Chf and on and on. I'm assuming that all the breakdown of the different disorders for lung,kidney,heart are considered level coverage if they have been on the same prescription or less the last 2 yrs? So somebody on the same level of kidney dialysis the last 2 yrs is level?It seems that they list a few of the disorders that are Gi and say nothing about the other ailments. Is somebody with present cancer on the same level or less of chemo for over 2 yrs level? Very confusing and leaves a crap load of disputed claims coming in the contestable period.