> 2. When you go to a doctor to have a procedure or have an emergency then you don't know what you are paying. Even when it's not an emergency, it's an amazing

> 2. When you go to a doctor to have a procedure or have an emergency then you don't know what you are paying. Even when it's not an emergency, it's an amazing bucket of crap. I take a specialized drug that's very expensive (~85k$/yr). I was considering changing jobs. No one in the HR of the new company, or the CSR side of the new insurer would tell me with any certainty that it'd be covered. The best I could get out of anyone is "we think it's covered, but we cannot promise it will be, nor will we pay out of pocket if it isn't". My doctor's office would just say "most of our patients on <x> insurance can get coverage. Not all, but most" The bit about not covering it out of pocket might be a statement on how much they wanted me, but the first part is just maddening. It's a large part of the reason I didn't switch jobs. At least I know I can get insurance to cover the drug for now.