The scam part comes when you are forced to fight tooth and nail to get money from them even when you are clearly covered
This. For non trivial claims they basically won't lift a finger until you take them to court.
This. I got a detailed bill for a minor surgery, every single value was under the value of their own detailed coverage, and they still didn't pay back around 12% of the value and never justified what the difference was about. They did it because they know I won't fight them on it and they do it to everyone. That objectively and legally makes their detailed coverage a scam.
The scam part comes when you are forced to fight tooth and nail to get money from them even when you are clearly covered
This. For non trivial claims they basically won't lift a finger until you take them to court.
This. I got a detailed bill for a minor surgery, every single value was under the value of their own detailed coverage, and they still didn't pay back around 12% of the value and never justified what the difference was about. They did it because they know I won't fight them on it and they do it to everyone. That objectively and legally makes their detailed coverage a scam.
I’ve always said that insurance companies will spend dollars to figure out how to cheat you out of dimes.