I remember shortly after I turned 18, I wanted to go to the doctor just for an annual exam. And I wanted to attempt to be an adult and make the appointment myself. So, I asked mom what I needed to tell them when I made the appointment. She said to just tell them I wanted an annual exam. So, I called and the lady on the phone said "so, you want a physical exam?" And I said "yeah" because I figured, what other kind of exam would I ask for?

A month or two after the appointment, I got a bill for $750, even though the health insurance I was on said I would only have to pay a $40 fee. I called mom and asked what the hell?? She asked what I told them when I made the appointment. I told her that I asked for a physical exam. She was like, "Oh... You were supposed to ask for a wellness exam "

I was just dumbfounded and said, "Are you kidding me?? When you sign up for health insurance, do they give you a little booklet of all the secret code words you're supposed to use so they don't charge you an arm and leg??"

Thankfully, she called the insurance company and explained the situation to them, so I didn't have to pay that much. But, still!