Anyway, I think that they set up deductibles and coverage in such a complicated way based on your specific plan that there is no way that a doctor's office can submit a claim and everything goes through nicely. I just found out that a portion of my doctor's visit will not be applied to my deductible simply because of the way that it was submitted. The doctor has no way of knowing that, and I wouldn't have known unless I was calling about multiple other things. Also, insurance companies send so many documents that don't make any sense that you stop caring and paying attention to your deductible. That's their plan. You get so confused that you stop paying attention to everything and just pay what they ask for and they end up making money.
I'm sure there are people who work in insurance companies that don't even recognize how poorly things are set up. However, I'm thinking that there is absolutely no way that I could ever work at an insurance company and justify it with my Christianity.
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