I work in health insurance so hmu if there’s actually something I can help you understand. But generally it’s confusing because confusion equals denials which equals profit. And we’re all about that profit.

99% the time you don’t know what you have to pay until the bill arrives,

and it’s difficult to know what is covered,

and sometimes they tell you something is covered when it isn’t and they fight you on it,

and sometimes you go under anesthesia after crossing all your t’s and dotting your i’s and miraculously making sure everything is covered

and some doctor you don’t know about who isn’t in network is in the room for 5 mins and they bill you $20k and you fight for 7 months with the insurance company to reduce it down to $5k instead

Welcome to America, enjoy your stay

to demoralize you and making it easier to extract profit out of your weakened, struggling form

how do y’all even know what the fuck you can do if you ARE covered

You straight up don’t anymore. You used to be able to ask a nurse and/or a doctors office would have specialists on staff to navigate the insurance bullshit, but lately I have asked a number of doctors about coverage and they aren’t willing to commit to an answer anymore because they don’t want to be wrong