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I've had bad insurance in the past. There was one that was supposed to be 100% coverage, but they were trying to deny 100% coverage to one medical injection because the doctor was "charging too much". Basically, the insurance only paid about 80% of the costs the doctor was charging and for some reason the doctor wasn't writing off the difference like they usually do. I ended up having to pay the difference to the doctor (who was threatening to send me to collections over an insurance issue, that irked me too) while also trying to get the insurance to work the issue out with the doctor. Over a year later, I got a check in the mail reimbursing me for most of what I had to pay to the doctor. I decided not to deal with that insurer or that doctor in the future. Both had showed their bad side over the issue.
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