Still Not Making Sense (Though She Never Did)

She's doing it again...

SD has a referral to an oral surgeon for TMJ. The first doctor she was referred to (that story is here) wasn't covered by ex's (primary) insurance but she didn't verify that until she asked us to check our insurance (she's primary so it didn't make sense). Now she has a second referral to a different doctor. She wants us to check to see if this doctor is covered by our insurance and THEN she will see what her insurance covers with the billing codes.

If she is just going to find a third referral if her insurance doesn't cover this referral (like she did the first time), why should I bother finding out if our insurance covers anything first before she does that? I don't get her at all. I don't want to waste my time AGAIN, like I did the first time.

She makes NO sense at all to me.

It would make sense to most people for HER to contact her insurance company with the billing codes and find out what exactly they will or won't cover. If they cover enough that she still wants to use this referral, THEN ask us to see if that doctor is in-network with our insurance too. If they don't, she'd move onto a different doctor anyway so what's the dang point? Oh yeah, it's her head. There's the point.