It is the norm. I pay twice as much for my insurance as I would for identical coverage from the HMO branch of the same insurer, simply to make it harder for th

It is the norm. I pay twice as much for my insurance as I would for identical coverage from the HMO branch of the same insurer, simply to make it harder for them to deny payment. This is totally worth it, but not everyone can afford to do this. I still have to fight them at least two or three times a year over coverage of something.