I've never had much of an issue from one year to the next. I haven't changed insurances in a while and they haven't upped the co-pay so my agency will just make a copy of my card and I'll continue as is with my T.

That said, the agency has a screwy administrative system and they don't know what they're doing 90% of the time. They randomly send me bills and then later I have credits (I don't pay the bills because I know the bills are them not waiting for my insurance to send the $$). *eye roll* Mid-summer they were updating their system and needed to re-scan my card and then called me in a panic because OMG my insurance was denying the claims and I was like, "Did you spell my husband's name correctly?" (it's an odd spelling of a common name) and the lady was like, "Oh. Huh. Yeah."

And then there was the time they tried to come after me for a bill my insurance denied because they waited too long to file it (like a year later). When I got my insurance advocate involved they had to eat the bill. Even my T has said he's had to go down there once or twice and be like, "WTH are you people doing?"

Thankfully my T will go to bat for me with the accounting department when they're being dipwads.