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I joined my wife's insurance plan but had to go to urgent care between the effective date of my coverage and when I received my card. The insurance company told me to pay out of pocket and upload the receipt to get reimbursed. The process took over 6 months and they continually asked for more and more information which even the urgent care facilty was bothered with the request for detail. I eventually received the payment but it got to the point that I almost just accepted the $215 fee to be out of pocket. 

I received a $1000 bill for a routine check-up even though my insurance said it would cover everything. Now I have to dispute the charges.

I spent hours on the phone trying to get my MRI approved by insurance. It took three calls and still no resolution. Why is this process so complicated?

I had a routine procedure and was double billed for it. After about four hours of roundabout phone calls, I was able to get the duplicate cancelled.

My insurance won't cover my prescribed medication because they claim there’s a cheaper alternative. Now I have to file an appeal to get what my doctor recommended.