BB,
Like you, I took the Harvey Watt plan out, but unlike you, I canceled it a number of years later, when my military retirement kicked in. The ALPA insurance never looked all that good to me, because I didn't like the wait period, either the 12 or 24 month plans. Just seemed to me that if I got sick, I'd like the money to start immediately, because who can foresee being out for over a year? Especially when one is 35 or 40 years old.