Healthcare Confusion

Sam’s company recently switched up their health insurance offerings. Previously, we’ve stuck with the same plan or something similar for the last 5+ years. It was pretty straightforward, easy to understand. I was never happy with the insurance company itself, though. They seemed to reject claims on a regular basis without cause, you’d call them up and then they’d “realize their mistake” and pay for the claim. For the number of times this happened, I really became suspicious that they were just hoping you’d give up and pay the claim yourself rather than following up with them every single time. Sometimes it became tempting to do so, but I just couldn’t on principle – figuring that’s probably exactly what...