I have had a LTHC policy since 2005 and get billed quarterly. It has gone well until late 2025. Billing is a nightmare and it can take 4-6 hours to talk to someone. That bot doesn't understand anything. Example: FIVE ATTEMPTS to get to billing but the bot transferred me to Dental. Every billing cycle it takes me 4-6 hours on the phone because 1) the front end phone system is very bad and 2) the billing department doesn't post or even acknowledge receipt of payments received until 5 days after the due date.
On the positive side, all 8 people I talked to fully understood what I am going through.
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Recommendation: The phone system needs a complete rewrite and the billing system needs to be audited.