Hello Sean,
actually, you are a bit wrong on this.
When we would be talking about \"real\" path on the web server, where index.html is set as default directory root file and if your web server would be tolerant to the trailing space (mostly it is, but it does not have to be), then you could say that those 3 URLs should be working the same.
However, JoomSEF does not follow any real server path and works in a bit different way. It works clearly with virtual URLs, assigning 1 SEF URL to 1 non-SEF URL. Thus, JoomSEF will consider URLs
allmedphysicians.com/policies/index.html and
allmedphysicians.com/policies/ to be different URLs. (and they really can be - you can assign different non-SEF URLs to each of them them)
The latter 2 -
allmedphysicians.com/policies/ and
allmedphysicians.com/policies will be considered same by JoomSEF if you have set \"be tolerant to trailing slash\" to ON.
I undestand this might be confusing to users trying to enter some URLs manually. I would recommend you to change the configuration of JoomSEF not to use \"index.html\" as default \"index\" page. Just find this field in configuration and instead of \"index.html\", leave it empty.
Then the \"index.html\" will not be used for the \"index\" pages and users should see just URLs like
allmedphysicians.com/policies/.
Please note, that to see the changes, you need to purge the affected URLs from JoomSEF DB after modifing the configuration. (be carefull about that, we recommend not to purge all of the exising URLs automatically, but modyfiing just those, that need to be manually and storing the changes as 301 redirects -- you could also use them to solve this; however the decision depends on size and how well is your site already indexed with search engines -- if your site is new or still in development, it would be easier to purge everything).