One reason I like the Kaiser HMO system... Everything is under one umbrella. If a doctor approves a test, the system will cover under the plan agreement. I can take 1 test or 50 and it is all covered at a small copay per visit. And specialists are within the system. Last time I needed a specialist, my doctor looked up one in the system and told me there is an open slot in a few hours so he can book me. And once you establish tie with a doctor, you can email them for advice, prescription renewal anytime. For very simple problems, I just email the doctor my concern and maybe a picture and they may prescribe something if it doesn't need an office visit. All at zero cost.

There are still a occasional billing hiccups but the big tradeoff is that I can only visit the Kaiser hospitals except if I'm traveling and have an emergency.