Insurance company & provider each saying the other is responsible for knowing who's covered.
My insurance says that it's up to me to contact providers to ensure they actually take my insurance. They say that all they can check is whether a provider is listed in the current directory (the same one I can see on the insurance company website). I can personally attest that plenty of providers in that directory do NOT accept my insurance in reality. And with this insurance plan, it's almost always the case that only a subset of providers at any given location or office are covered -- just because one doctor is covered by my insurance doesn't mean another one at the same location will be.
The big medical group in town says that it's not up to them to determine which providers are covered by my insurance, I have to call the insurance company. They said that all they can see on their end is whether my insurance account is active and if my plan is generally taken by the hospital group. They scoffed at the idea that the insurance said to ask them and said I must've spoken to someone inexperienced. (I've been told this many many times by the insurance.)
There is no way for me to ask the actual provider's office, it's an enormous multi-hospital system and making appointments/insurance/billing are all handled totally separately from the actual physicians.
Who is supposed to be able to say whether a provider is covered?! This buck passing is going to make me tear my hair out.
tl;dr I need to see a hematologist, how do I find out which ones insurance will cover?!