I'm confused by this response. This is par for the course. Anecdata: I have never had my insurance company cover anything in the last three years. The best th

I'm confused by this response. This is par for the course. Anecdata: I have never had my insurance company cover anything in the last three years. The best they ever do is claim to negotiate a slightly lower price, for which I still pay out of pocket. And when the annual "maximum out of pocket" gets surpassed, they gamble (correctly) that I won't incur the costs associated with litigation when they inevitably continue to deny claims after "maximum out of pocket". There's very very little we can do.