My student insurance, which clearly states on the forms I got will cover 80% of doctor's visits, just returned a bill from my ENT's office saying that "consultations" are not covered by my plan. I had a freaking referral from my undergrad's health center, too, it's not like I just like to visit the ENT for fun. It's not such cheap insurance, either. I give up, I refuse to give more money to insurance companies, I'll set up an account exclusively for medical expenses and ask for family donations if more is necessary. God, I'm mad.