This is true. My wife paid out of pocket for a procedure that should have been covered, and when she finally made it through the labyrinthine process to seek re

This is true. My wife paid out of pocket for a procedure that should have been covered, and when she finally made it through the labyrinthine process to seek reimbursement, they only wanted to reimburse her for half of the cost, because that's the negotiated price the provider would have paid the hospital. In case you were still a bit unsure if the entire American health care system is irreparably broken or not.