Let's be honest: health insurance may be the most morally bankrupt of our major industries.  Even the well-intended Affordable Care Act is the equivalent of putting a mere bandage on a spurting arterial wound.\n\nAnd Physicians Plus will fight to the death to avoid paying for that bandage. \n\nYou may not have a choice in your health insurance providers, which is fine.  Dealing with Physicians Plus, however, is like pulling teeth.\n\nAnd Physicians Plus will fight to the death to avoid paying for those tooth extractions.\n\nWe had a baby in September.  It's April now, and I'm still getting bills for standard procedures that have been denied by Physicians Plus (sometimes for the flimsiest of reasons).  I've had to submit several bills multiple times.  They'll cover eventually, but they'll try to wear you down (Physicians Plus will fight to the death to avoid paying for chronic fatigue treatment).  If I were cynical, I'd think they deny claims as a matter of course in hopes that their customers will just give up hope (Physicians Plus will fight to the death to avoid paying for depression treatment).  \n\nAll in all, you may not be able to avoid them, but they have been incredibly frustrating to deal with.  I'm happy that they are no longer our family's provider, and I hope that I can stop dealing with them before our daughter's first birthday.  I'm tempted to send them a little \""sample\"" in the mail (Physicians Plus will fight to the death to avoid paying for the sample jar).  \n\nI may just take that expense out of pocket.