I required a special surgery for dupytrens disease, a disease that causes your fingers to contract. The only surgeon that did needle aponeurotomy was an out of network doctor.
I called Cigna many times and each and every time I was ping-ponged around. My out of network doctor said he got approval for the surgery and yet after it I got a bill for 30 thou.
It was only after writing a 13 page repeal that I was relieved of the bill. These Washington guys that think private enterprise in the medical system is the way to go are crazy.