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Ugh, I hate dealing with insurance. It's amazing too. They will send you a bill for $400 say it isn't covered, then when they finally figured out it is covered, the "agreed upon" amount is like $20.... So if it were something you'd have to pay, you'd be stuck with teh $400.
I am freaking out over insurance too. We have spent about $2000, for insurance that covers 80%. I almost cancelled my appointment tomorrow. I can't figure out the billing logic, because we are always paying more than 20%.
Dont get me started with insurance. When my son really needed something we were denied because the doctor who was in the midwest decided by phone conversations that my son who is in DELAWARE didn't need it.