Fortunately, dear readers, my pajamas have unlimited production resources, so if you have any devoted Times-reading friends who are starving for health-policy coverage, you know where to send them.

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Carphone Warehouse wrongly told people that T-Mobile had no cancellation policy for coverage issues, while Phones 4U said that Orange did allow cancellations when it does not.

BBC: Mobile firms failing on coverage

But the tax savings enabled her to get a policy with better coverage, she says.

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