When it comes to the cost of healthcare and the confusion of insurance, it is more important now to educate yourself on your insurance. Don’t just call up your company, read your plan documents before it is instated, look up weather or not a primary provider is necessary. I’m currently a claims specialist for an insurance company, and analysts here try to get around every guideline possible to be able to pay a claim but sometimes it just isn’t possible. A lot of clients could’ve prevented their big medical issues by calling and asking questions first, instead of after they find out their claim has been denied. Another way to help prevent these big issues, would be utilizing resources such as docnow.com to ensure a provider is eligible, in-network and accepting of your insurance before you go.