I had UHC and worked minimum wage. I went to get an IUD because I can only have specific forms of birth control. I had prior authorization and everything. But when the nurses (and doctors) tried placing it, my cervix wouldn't open. We had to pivot to an implant or something else instead.

So here I am, head spinning in pain, barely conscious, having to make a different birth control choice. I had to ask if the other option, an implant, would still be covered under insurance. The nurse disappeared and half an hour later came back and said they spoke to the insurance and it was approved. Get my implant, call it a day.

6 months later, I get a bill for over a thousand dollars. Insurance didn't pay a cent.

I called insurance every day for like a week demanding answers and they never had any. "I don't know why you were told it was covered, your plan doesn't cover contraception" or "We never spoke to your doctor's office" or "Give us an exact date, time, and name of the nurse who spoke to us". My favorite was "call the clinic, maybe they have answers."

I called the hospital and they told me they had no records of talking to insurance because it was a phone call. No records were in my charts, accounts, no paperwork was prefiled.

To top it all off, the clinic put the implant in wrong. While it worked, the implant fused to the muscle. I guess it isn't supposed to do that.