It is a waste of time and money. I wish I was smart enough to just roll with the punches. Every time I get one of those calls I tell myself "just agree with them and get off of the phone!" One year I made the mistake of telling her that I did not read the welcome aboard packet. I was on the phone for over an hour that time. I will never make that mistake again!

My doctor is very frustrated with our insurance company. He is very insulted that some "high school drop out that answers the phone" is going to tell him how he should run his medical practice. It was a whole big deal, we had to schedule a conference call (a meeting to dispute their findings). I'm sure they were surprised he was willing to go that far, he was. The end result was he can prescribe what he feels is necessary, they're still not going to pay for it. We went from having the best medical coverage in the state to the worst all in under 6 years. BUT we do have that wellness program with a health coach to bridge the gap. The employees have requested that they pay for gym memberships, weight watchers, pay for anti-smoking meds, classes etc, things that would actually make a difference. Employers reply: That's what your health coach is for.