Check this out. I had decent and expensive insurance when my wife had surgery. We hit the max Out-of-pocket, which according to my employee docs was about $6500

Check this out. I had decent and expensive insurance when my wife had surgery. We hit the max Out-of-pocket, which according to my employee docs was about $6500. However, when I get the information from my insurance company it has totally different copy information with a OOP of $7300. I talked to my employer several times and eventually filed a Dept. of Labor complaint because everyone is telling me it's ultimately my employers problem to fix. Fast forward 3 months and after multiple go arounds and hours of phone calls they finally fix it. So what does my insurer do? They claw back fully paid payments for stuff that was done after my OOP was met. I have to call multiple doctors and argue with the insurance company for every bill.