Not to mention that sometimes you'll need to be reimbursed rather than have them cover costs directly. They too are a profit maximization company, you can bet they want to pay out all little as possible and delay payments as long as possible.

Just a few months ago a close friend was denied her diabetes medication because her bloodwork showed her levels (of whatever they were testing) were nominal. The problem is, those tests showing normal is the exact thing you'd measure if the medication is working (if she was somehow no longer diabetic and taking medication then the levels also wouldn't her nominal). Her and her husband both have medical degrees too, and it took weeks to get the insurance to agree to cover the costs. All because someone only knew how to look at some spreadsheet but not how to interpret that data... (a common occurrence, even in our (HN's userbase) own field)

I'm not sure why this is shocking to anyone. Did we forget Luigi Mangione so quickly? His actions speak to the level of frustration Americans have with this system. You do not need to condone his actions (which I do not) to recognize the plight he represents.