The whole USA system is designed to make it hard and charge you more, that's why we need to discard it and start over with another country's model as the goal.

They've found numerous insurance companies that had the policy of "reject every [nth] claim" such as "toss every 5th claim" so you get a rejection and either pay it or go complain, and if you complain, they'll usually pay it, but it is just to hassle you. And hospitals *LOVE* to have an out-of-network doctor visit and charge everybody huge rates the insurance doesn't cover. Its so bad they're making it illegal. There is nothing to fix, it needs to be replaced.

And worse, Christian hospital chains are buying up as many hospitals as they can get so they can deny abortions and contraception and anything they feel like.