I went through a shitload of hoops to get oral surgery I was referred for to be covered by my insurance and be handled by everyone in network. I had to call one place 4 times to get them to fax and email signed records to someone else and call that place 3 times to confirm they had received it and added it. that led to a 3 way conference call where the insurer said everything would be covered and not to worry, there would be no charge at all.

which meant a $400 bill 3 months later, which I called to dispute and the insurer said that of course I would have to pay those surgery fees because those fees are never covered by insurance, silly biy. this is literally at the place I worked, my employer, charging me fees for in network services for covered and required surgery based on their consultants.

and the best part is, relating this story to others in the states gets, "oh wow, you only paid $400 for oral surgery, that's a great deal."