The reality is your health insurance will deny shit until it's blue in the face. In the meantime you have an angry hospital breathing down your neck and sending you bills for $xxxxxx. They don't necessarily talk much to eachother so its now your part time job to make sure everything happens smoothly.

We had a surgery that wasn't completely resolved until about 8 months after the fact after spending 10-15 hours per week on phone calls. The hospital billing told me this was all normal and they usually have to resort to lawyers before stuff gets paid. SOUNDS LIKE EFFICIENCY TO ME! This is just one of a half dozen shitty experiences I've had even with $3k/mo health insurance.

So yeah, in my experience it sucks even if you are insured. The whole system is a dumbass way to do things and a huge waste of fucking time.