I have been struggling for this entire year to get even the most common coverage listed in our plan document paid for. Most recently I had an annual vision exam, of which I am allowed 1 per year, with a $20 copay. They have denied every penny and are applying it to my out-of-network deductible. I looked my doctor up again today, and they are listed in the directory of doctor IN-NETWORK. My benefits still show I have 1 of 1 routine vision exams available for my use!