Insurance companies are terrible. I posted on X last night. Dealing with insurance companies is a complete nightmare. Since moving to the USA from Buenos Aires in 2011 I have paid over $320,000 US dollars in private medical insurance for my family of 5 (including 3 kids). That is not counting co-pays, deductibles, etc. That is only for the monthly coverage. Being a parent of children you can't go without medical insurance. No way, no how. Fortunately my kids are all healthy but when you do need to use it, they make it impossible.
My daughter in high school like many kids got acne and just trying to get her into a dermatologist is impossible. There is a 2.5 month wait to get into any dermatologist here in San Diego. 2.5 months for a kid is a long time. Even though we are on a great PPO plan. What did we have to do? My wife had to end up driving over the border to Tijuana and got an appointment with a top dermatologist there. One of the best doctors in town in a modern medical facility. Appointment and medications less than $200. Just the co-pay in the USA is $100. Don't mind the co-pay but it shouldn't take 2.5 months when you're on the best medical plan.
I have had to get specialized bloodwork. My doctor said it should all be covered. A few months later I get a bill for $3,845 dollars. That was my part after the insurance paid the lab! Healthcare is totally broken here in the USA. Either you can't get into a doctor, or they deny claims or they just rip you off. My primary care doctor retired and I had to find a new one. I find a new one and he writes some prescription for sleeping pills as I have chronic insomnia. I ask for a refill 2 months later and he asks to come for another appointment. Needless to say I'm looking for another doctor.