One of my sons recently had to visit an emergency room because he was bleeding from places he shouldn’t, had a 103 degree fever, chills, dizziness, and was getting sick to his stomach. They ran a bunch of tests, made the diagnosis, gave him some meds, and he is fine, but may ultimately have to have surgery. Insurance denied 95% of the charges on the ground that this was NOT an emergency and that the test were unnecessary. Fortunately, my son has a lawyer for a father, so this will go away and is more hassle than anything else. For those without a lawyer for a father, this could be economically crippling.
All by way of saying: I hate fucking insurance companies almost more than I hate real estate agents. Almost.