Nope. Blue Cross Blue Shield. We have a high-deductible plan (just so we can qualify to use an HSA as an additional retirement account). In theory, that means we should have more billing hassles than with a typical HMO or PPO. I feel like they mostly get it right; we do have to be patient to let the billing and insurance people have a few rounds of figuring crap out, but I'm not involved other than opening the mail until it settles down to "OK, now pay this amount."