If you suddenly found yourself working for an insurance company and received a claim that looks like this for MRI--

[dpibel]

6. Kudos for the diversion!!

In the situations you posit, the insured has already gotten the care, no?

So you--the hypothetical claims adjudicator--are about to be in a fight with the provider.

Especially in the aggravated situation you posit where there are multiple bills for same service, same patient, same day. That, obviously, has nothing to do with the patient at all.

You seem to have missed the fact that the real outrage, which may be misplaced, is not about issues of billing after the treatment.

It's denial of treatment.

And, even if it's ultimately about billing and payment, as you've established, UHC, about which you seem to have tender feelings, is ahead of all the other companies, whether initial denials or final dispositions.