It seems insane that you cannot read the details of coverage prior to purchase??? I would attack that issue and see if you can get them so you can flush these issues out more.
I don't know the answer to your questions. Have you tried contacting lawyers who specialize in insurance or other professionals? A quick google search turned up Insurance Patient Advocates:
Patient Advocate Foundation :: 1-800-532-5274.
Good luck... let us know how it goes.
Mark