Long story short, I decided about 16 months ago to do it. Went to a seminar, signed up and found out that I have to wait until I've had my insurance policy for 2 years before they will cover it. The kicker is that I have had this insurance for about 6 years, but when I made a move from full to part time, my husband elected to not have coverage for 19 days and I was not aware of it, so they considered it a new policy because we weren't covered for 19 days. I am eligible in January, so I will be starting the process soon.