"Why I cancelled Affinity Health-Lack of transparency around shortfalls"

I have recently cancelled my health insurance with Affinity due to a frustrating experience with communication and transparency. A major issue that I was never informed about a shortfall payment related to all pathology services when referred by a network doctor. As a customer, I expect to be notified in advance if there are any additional costs that are not covered by my policy especially when the referral is made within the provider's own network. Unfortunately, this does not happen, and I always only found out much later when contacted by the pathology provider for payment of a portion of the bill that is not covered which left me misled, deceived and unsupported. The most upsetting part is the false sense of security. You take out medical insurance to protect yourself in times of need, especially emergencies. But what is the point of being covered if you only found out later that you are still liable for bills that were not disclosed? It is not only just about money but being able to make informed decision about your healthcare. If you are considering Affinity Health, please be extremely cautious and ask for everything in writing especially regarding what is covered when dealing with referrals and diagnosis tests. Do not just assume that "network provider" means full cover. Good communication is essential in insurance and this lack of clarity made it difficult to trust the service. I hope Affinity Health takes steps to improve how they inform clients about potential shortfalls and billing matters, because no one should be caught off guard during a health scare.