Welcome to the new normal. If they can make it more painful to file a claim, maybe you'll just pay the small stuff out of pocket. Those small victories can add up to huge savings. I've had to see an ortho specialist the last few months for my shoulder. Last few years this would have been a nonevent. Now I have to jump through my own butt for three weeks faxing and mailing paperwork for $150 reimbursement.

About to make the jump from Std to TRS. Expecting it will be painful.