My health insurance has a new trick. They just say "we're not paying for that." They called my wife to tell her they won't pay for medication my dr prescribed. We're paying 400 a month for medications they refuse to cover. Our deductible resets soon. The agent was upset my wife told her to fuck off.
They get annoyed with me anytime I try to teach them what the maximum means. Seems we understand different mathematics. I specialize in mathematics and get annoyed when they talk down to me explaining deductibles. Then they look up my account and say "oh, that shouldn't happen" Healthcare is broken.
Putting $700 a month into our HSA and it has a zero balance. We met our max out of pocket 9 months ago.