I spent most of my day dealing with the health care of my family.
Besides we were playing phone tag with our pediatrician about our 5yo (he's fine), I had my annual physical. I get there...surprised that I apparently scheduled a pap smear (I didn't)..then find out that my insurance might not cover the appointment since my ob/gyn listed my annual gyno exam in June as a regular physical. But that got taken care of and I was given a clean bill of health.
After I get home, I decide to finally call the insurance company to ask about several incorrect billings. First I am told that my doctor's office apparently sending the bills in incorrectly...but they don't actually correct the error unless the patient complains...then you have to go through a ridiculous process. I also ask about some lab fees...despite the literature we were given about our plan that simply states 100% of lab fees are covered...really they are only covered if sent to a specific lab. And, here's the best part, it is MY responsibility to tell my doctor to send it to this specific lab. So...there will be a strong letter sent about that. It should not be the patient's responsibility to tell them where to send lab work...especially since we were never told such a thing. So my hub calls the doctor and they say its the insurance companies errors. Blah.
So then, while I was in the mood. I look at our annual change period information on our current insurance (something I ignored until my hub mentioned that so many people at work were complaining about the changes...what changes?). Basically, my hub's work is changing insurance companies so we have to reverify our existence and select new plans. After spending hours trying to figure out if our current drs were covered and trying to factor in the care the pediatrician just recommended for our middle boy....done and done.
Here's the bottom line...we take the time to read the claims, bills, literature and I don't pay unless I know what I'm paying for. But so many people don't...there are billing errors, coverage and lack of coverage they don't know about...but people just pay for it or go see the doctor expecting to get low-cost care. Health care should not be complicated...I should feel comfortable heading to the dr to the care my family and I need.