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I can't figure out what he means by this. I guess telling companies to bother his wife for payment is second nature to him.
Jack's trying for a simile here; he's complaining about having three parties in the discussion instead of two. The SNF sends a bill to the insurance, who pay their part, then the reduced bill goes to Jack. If Jack thinks something's wrong with what insurance covered, he would have to call the insurance and ask why they didn't cover it.
If the insurance told him they didn't cover a service that Jack knows he didn't get, or a service that should have been covered, he'd have to call the SNF and tell them "they're not covering X because Y, please fix your coding and resubmit to my insurance, thanks." Things like this always end up as more than two phone calls; often the insurance company says they'll call your provider themselves to fix it but then you have to follow up to make sure they did, or make sure they know a fax is coming.
This is also assuming it's only the SNF bill he's disputing; it could also be the hospital. This is frustrating when you have to make and receive all these calls during business hours for whichever timezone the medical billing's company is in
and the time zone the insurance center is in, and you have a full-time jo--oh, wait, that's fine.
Involving medical insurance does involve a 3rd party,
because it is a 3rd party. If you were private pay for a hospital stay, you might make phone calls asking to reevaluate/adjust charges, but it would be all between you and the hospital, no insurance company in the loop.
It would be funny if someone in the comments started evangelizing single-payer to Jack.
