I was sold health insurance by this company and advised there were no pre-existing clauses and that I would have no out of pocket expense UP to $20, 000/yr. Based on this information, I had surgery and am not being sued for $6, 000 due to Alliance only paying $4, 000 and stating they are not responsible for anymore. I specifically had a detailed conversation w/the selling agent in which he told me this policy would be perfect if I were considering surgery, as I would have up $20, 000 per year. What do I do now?