That's Correct

Patient on the phone: I have insurance.
Patient Representative: Great. What is the name of your insurance?
Patient on the phone: I have United Healthcare.
Patient Representative: Do you know if your medical insurance covers routine exams? Or do you have a separate plan?
Patient on the phone: Yes!
(Awkward silence on both ends)
Patient Representative: ... uh... Yes to your medical insurance covers it or to you have a separate plan?
Patient on the phone: Oh, separate. I'm not sure what it is.

This is the life. Who wouldn't want to encounter this daily?