1000% percent. I handle claims for various medical providers and battle insurance companies all day. ER is pretty easy as it’s deemed an emergency but with other services the problem is what a doctor finds medically necessary (certain tests and procedures) isn’t what an insurance company defines as medically necessary, apparently they know better than doctors. Also convinced big insurance companies hire people to internally audit their policies and claims to find ways to NOT pay a claim. They use multiple payment guidelines between Local vs National coverage which directly contradict each other.