My wife and I have adopted a policy of not paying until at least 6 months later, or after those two sort it out, since you can never get your money BACK once sent, but until they settle it out there's no way to know what is owed..
I generally had this policy, but now that I've got $1500 deductible and $4500 out of pocket maximum, and this year am having to have cataract surgery, I went ahead and paid the $450 prep office visit bill. If the insurance company didn't negotiate it quickly and correctly, it's their loss because it's clear I'm going to exceed the out-of-pocket this year by enough that THEY will end up paying for anything they fail to properly negotiate. And in fact I've got another minor issue I'm going to be sure to take care of this year, because once the max is reached, everything else is free for that year. So for the rest of this year anyway, I've got the Caddilac plan.
Beware of Programmers who carry screwdrivers. -- Leonard Brandwein