Ooooohhhh! Those are soooo true!
Sounds just like what I have gone through millions of times. I had to choose a plan. Okay, did that. Choose a doctor. I picked one. Then discovered that he is no longer even working at the clinic where I called, nor is he any longer accepting the plan where ever his new location was. I called back to tell the insurance provider that I needed to pick a new primary care doctor. They told me I wasn't in the system as having their plan and to call back the original number for selecting a plan. I called them back. They said I was in the system and to call back the other number I had just called prior. I called them back. Finally they found me. I chose a new primary care doctor.
My son got sick. I called the doctor. They had no room for that doctor to see him. Well, can he see a different doctor in the office? Normally yes, but since he had never yet seen the first then his first appointment must be with his primary. But the primary is full. "Call back Monday." My son has had fever of 104 for 3 days, he can not wait that many more days till Monday. Well, go to an after hour care facility that accepts the plan. Okay, where is one? They don't know.
Call back the insurance plan number..... where are the after hour care facilities? I need a nurse referral for that. A nurse calls me back. She agrees that he needs to see someone within 24 hours. Okay, who can he go see? She doesn't know, call back the insurance plan number. I call them back. Did I speak to a nurse? Yes, I just did that. What about his primary care provider? They won't see my child. Okay, then here is a phone number for an after hour clinic, but you will need to wait until they open at 5 pm. Thank you.
By the time you ever get help, you could be dead!!!!!!
And I have had so many times where I can not get the prescriptions I need. Sometimes there are NO substitutes either, and then I have to just purchase my own outright.