Uninsurance

Recently a patient had an dermatology outpatient laser surgery procedure. The procedure was supposedly "preauthorized" by the PPO plan, and all the person's deductibles had already been met for the year, so it would seem that there would be no out of pocket costs besides the copays for the doctors and the facility. Wrong again!!! There was a "laser rental" charge that no one said anything about in advance, which turned out not to be covered by the insurance (why?).

Just another insurance ripoff....please comment if you've experienced anything similar.