
Quoting
Mr. Knowitall
I hate hospital bills (and insurance policies), because they are so complex that it is hard to know what is or is not a covered service, what denials result from billing errors or wrongful action by the insurance company, and a lot of the time it seems like staff at a hospital don't even understand their bills or billing practices. If you literally ask, "Is service X covered completely with this single copayment," they may verify that to the best of their understanding and confirm, "Yes." But it may not even occur to them that anybody receiving "Service X" also will require "Service Y", let alone to check to see what the coverage or copayment issues will be with "Service Y".