I called my insurance company to ask if my check-up was covered. The first rep said, “Absolutely, 100% covered.” The second said, “Well, it depends on how you define covered.” The third suggested I ask my doctor, who later said I should ask my insurance. By the time I hung up, I felt like I needed a second appointment—this time for whiplash from all the contradictory answers. Honestly, my insurance plan should come with a decoder ring.