Actually getting a refund is not easy.

Actually getting a refund is not easy.
In my case, ecg under stress prescribed by my doctor for tachycardia, paid in advance by me (the clinic provided for indirect reimbursement), I suspend the reimbursement and I require a medical certificate with which the specialist provides the next and remote medical history etc etc.
So, following a logical thread, I should anticipate the money for the visit of the specialist more for the ecg under stress and then hope in the repayment of both. Comparing with other health insurances, I have seen that the situation is different, that is, the doctor's request and the invoice from the affiliated clinic are sufficient.
I also think that the MBA does not provide direct assistance / reimbursement, as if it were so it would not be possible to obtain the pro-oral and remote anamnesis and the entire patient's medical history.
Unless later the MBA does not recover the money that the member has not paid at the time of the visit / performance.
If I then read that establishing the border between previous and non-prior is not easy, well, a little worry me.