I believe this is a consumer who doesn't understand the system and how to put the puzzle pieces together. I am seeing more and more of these in my agency these days specifically related to non-par provider issues.
Nothing new. Most consumers have no clue how their plan works. They only read the plan docs when a claim is denied.
And sometimes not even then.
The absence of agents, brought on my Obamacare, means even less guidance and more confusion.