Just so tired of almost every time a doctor submits stuff to insurance, we have to be the ones to make multiple phone calls to both the doctor’s office and insurance to iron everything out, figure out what the issue is (it’s always a different issue), and basically be the go-between for the office and insurance. What am I paying $500+/month for?! It’s like paying for the privilege of having an exhausting part-time job.
And yes, I understand that insurance wants to weasel out of paying anything, but this isn’t even shadiness, just straight up incompetence and lack of communication/following procedures. The amount of emotional energy we have to spend untangling this stuff leaves us drained.
It is shadiness, because the odds are that you wil make a mistake and they will hold it against you. The whole private insurance setup exists to find ways to delay and poasibly deny coverage.
That is also why you pick what you will be covered for before the year starts, as if you can predict which major medical issues you will have in the upcoming year. Better pick a bunch of stuff that isn’t likely, and they can deny when you didn’t pick the obscure one!