> Maybe I’m in the minority, but my health insurance makes it very clear what the benefits I paid for are. There’s guidance after guidance and tool after tool to help minimize any surprise costs.
...and how has it gone when you tried to use them? Just as a personal anecdote: I once tried to get UHC to partially reimburse me for an out-of-network mental health expense. My policy explicitly covered such reimbursement (at a lower rate, of course). I tried for months to get the claim reimbursed. My employer at the time retained the services of a "healthcare concierge", and one of the main things they did was fight insurance companies on your behalf. That concierge service tried for six months to get a single claim reimbursed.
We all gave up.
It was such a small dollar amount; UHC likely spent more time and effort denying the claim than it would have cost to reimburse. It boggles my mind, to this day.
Just because your health insurance "makes it very clear what the benefits I paid for are" has no relation to whether or not they will actually pay those benefits out to you. If you haven't really experience this yet in America, I can only conclude that you are either rather healthy (and haven't used the benefits much), very lucky, or possibly both.
...and how has it gone when you tried to use them? Just as a personal anecdote: I once tried to get UHC to partially reimburse me for an out-of-network mental health expense. My policy explicitly covered such reimbursement (at a lower rate, of course). I tried for months to get the claim reimbursed. My employer at the time retained the services of a "healthcare concierge", and one of the main things they did was fight insurance companies on your behalf. That concierge service tried for six months to get a single claim reimbursed.
We all gave up.
It was such a small dollar amount; UHC likely spent more time and effort denying the claim than it would have cost to reimburse. It boggles my mind, to this day.
Just because your health insurance "makes it very clear what the benefits I paid for are" has no relation to whether or not they will actually pay those benefits out to you. If you haven't really experience this yet in America, I can only conclude that you are either rather healthy (and haven't used the benefits much), very lucky, or possibly both.