Oh, absolutely. I can't even get a straight answer out of my insurance as to when the deductible period starts. Or how many visits to a certain specialist I'm allowed. That is the most basic of information. If you call 3 different times with a simple question, you get 3 different answers, all contradictory.

This has to stop and the only way it'll stop is with proper government regulations that are enforced. The patient should never see a bill for anything other then a set monthly premium (which ideally should come out of taxes, but it doesn't have to completely). Anything else, at this point, is fucking barbaric, primitive, and shameful. To be the richest country in the world and have the worst healthcare system in the developed world is disgusting.