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.