RobertaClick on the CARES web site and then click on tips for dealing with insurance companies...
http://www.caresfoundation.org/
CARES Foundation, Inc.
P.O. Box 264
Short Hills, NJ 07078
Kelly R. Leight, Executive Director
1-973-912-3895 (in New Jersey)
1-866-227-3737 (toll free out-of-state)
or email: CARES Foundation, Inc.