Medical establishments are stupid everywhere. If your employer doesn’t choose an insurer or self-funded benefit administrator like Cigna, you don’t have these issues.

I have had a generous United Healthcare plan for 15 years. That time period included a high risk pregnancy, a spinal fusion, and a high risk cancer treatment program.

I’ve had zero billing issues. Zero. We did have some prescription formulary issues that were a result of some drugs being specialty drugs with a different process.

My sibling has Cigna, and literally has a problem of some sort with 80% of claims. The latest is an 8-year olds ear infection was determined by Cigna’s subrogation process to be related to a car accident.