Another technique is to pass the burden of proof onto the consumer. The hospital creates a new charge, and it is up to the patient to prove it should have been

Another technique is to pass the burden of proof onto the consumer. The hospital creates a new charge, and it is up to the patient to prove it should have been covered by insurance. For example, showing something like meeting your yearly out-of-pocket is a difficult task. Sometimes it's up to the consumer to connect the two departments, insurance and the hospital billing, on the phone at the same time. Seems simple but the wait time between the two parties is high, and either one of them will drop off mysteriously. If the bill is in dispute for too long, you will be sent to collections, and have your credit score degrade.