I'm a full-time college student, and my dad's insurance is supposed to cover me.
The first time I went for a check-up after his company switched insurance, I wasn't covered. So we had to spend (literally) hours on the phone correcting that. They said it was all done.
until I had to go to the dentist. Apparently they hadn't put me on the coverage for dental. So another day wasted trying to get me onto the dental plan. This was after already having filled in all the forms for me to be on the plan *and* still having to call once.
Two weeks ago I went to the optometrist. Guess what? I wasn't covered. Even though we had now been *TWICE* guaranteed by the insurance that I was fully covered for everything. The optometrist still gave me the test, etc. and we arranged for my new glasses, but we couldn't pick them up until the insurance gave the go-ahead. Which they naturally did on a Friday afternoon, after the optometrist had closed.
I would normally have been able to fetch my glasses after lunch. Instead, I had to wait over a week, during which time it was also illegal for me to drive.