Just spent a frustrating amount of time on the member's website of my health insurer (and fairly large name, you know them) and I still don't know if I need a procedure precertified or not. Downloaded both the certificate (hey, at least they had that there, not easily accessible or saveable) and the benefits calendar. Each refers to the other. Then one page says to check your card. All that is there is a number for precertification, nothing on what needs to be precertified.
Wish we could reform this part of it as well.