Wow Sandi, I sure as heck hope not! That's A LOT of denied coverage - I'd hope they'd have an explanation??? As far as my fall, I did suffer some nerve damage where my back bounced off a stair but otherwise was fine.
And odd thing about strokes - there's apparently an interesting signal...when a stroke victim is told "It's time to go to the hospital" a good percentage hop into the shower. I know when my dad had one last summer, he did exactly that.