Stuff like this is why our healthcare is overpriced.

[fescuerescue]

9. Yes but that is irrelevant way to many times.

It's still a zero benefit with a risk of losing your time, your credit or your money. And the contract is between the provider and the insurance company to which you aren't a party.

My wife and I have spent many hours on the phone with bill offices explaining that their contract doesn't allow them to bill me. We've always won that argument so we didn't lose money, but nobody can refund that time and aggravation. I've had to deal SO MANY times with insurance not paying, that it just seems crazy to ask the insurer to not do so.

In your brothers case, he knew how to fight and deal and win the issue. But he still had to deal with all that hassle and multiple phone calls. No one can refund his time.

In your brothers case he didn't instigate the dispute - the dispute found him. In the message I'm replying to the writer is suggesting instigating a dispute that nets zero reward, and has the potential be a giant hassle.