Just yesterday my insurance company decided that a routine physical and cholesterol blood test was not covered. After calling them up, they assure me that they

Just yesterday my insurance company decided that a routine physical and cholesterol blood test was not covered. After calling them up, they assure me that they will cover preventative care but somehow this physical exam is not preventative. Their definition of preventative clearly is not the normal definition and is meant to screw with people. Most likely it is a billing error or some such. So I'll spend the next few weeks calling various people and harassing them. It wouldn't be so bad if this wasn't the norm. Every time I visit the dentist or doctor, something comes up from insurance. Then I waste a week or a month fighting the insurance company for the most inane things. Now imagine if you couldn't speak English or didn't have the time to make these calls.