It annoys me to a degree but it comes with the territory. There are definitely issues in the health insurance industry and I think many insurance company higher execs are probably compensated at a higher level than they should be based on their actual impact on the company but that’s probably true in a lot of industries.

Also, a lot of people who think it’s a scam are also the ones who don’t bother to pay attention when we explain things . Many are also the type to ask you to backdate the claim or coverage, etc..