Insurance is complicated. I doubt many people in this world would claim otherwise. But, regardless of how complex it is to understand or figure out, the fact is that you are responsible to understand it.
After all, let’s envision the following conversation between a customer and an insurance agent.
Customer: I see that you denied my claim.
Insurance company: That’s correct, we did. You weren’t eligible for coverage on that procedure.
Customer: But I didn’t understand the coverage.
Insurance company: Oh, well then in that case, we’ll go ahead and approve it.
If it’s hard to picture that, it’s probably with good reason. It never, ever happens!