Screwing around with insurance process bullshit can easily exceed the value of whatever you're trying to regain/figure-out. Hours, literally, of on-hold time,

Screwing around with insurance process bullshit can easily exceed the value of whatever you're trying to regain/figure-out. Hours, literally, of on-hold time, likely more than once, and if you're trying to get them to pay for something they don't want to, you're likely going to need to get state regulators or lawyers involved, which means even more time (and money, in the latter case). Probably you'll end up having to do the same thing with one or more hospitals or healthcare providers, playing go-between with them and insurance, and usually those places subject you to the same malicious-incompetence as the insurer does.