I have won some skirmishes against the insurance companies this morning.
I believe it was either @Arwon or @Traitorfish that pointed out that the American insurance industry has become the largest make-work program on Earth and I can emphatically agree. There are not enough superlatives to describe how opaque, byzantine and awful our insurance bureaucracy has become. With my wife going to the doctor regularly now for prenatal checkups, it's become an ever-loving nightmare to deal with. The fact that we have two insurance companies did not mean that we gained more coverage, it instead meant we have twice as much insurance infrastructure to deal with and twice as much chance that billing and claims would be misfiled by either insurance company or the doctor's offices.
It has become a part-time job to stay on top of it all and of course the stakes are quite high with each doctor billing multi-thousands of dollars for routine prenatal checkups.
David Graeber notably made this point a whole book