It’s very frustrating! I remember thinking I was going to have to take a second mortgage or similar on my house to pay for my jaw joints/surgery. Then the hospital where I was going to go for my surgery - THEY told ME that they had an agreement with my insurance company for such surgery! MY insurance company never bothered to tell me that! 😳 I was having anxiety and stomach problems over it all - would have been nice to know so I could have “just” worried about such a major surgery, instead of also worrying about how to pay for it all!