it's a shit show. I had "great benefits" at my last job accept when i needed them 1. when something happened and i needed physical therapy it turned out my cop

it's a shit show. I had "great benefits" at my last job accept when i needed them 1. when something happened and i needed physical therapy it turned out my copay was like 6k so i just DIY my own therapy.. 2. when changing jobs i had a month gap, so i bought COBRA and 3 things went wrong. a. it cost $1300 for a month of coverage (even with a 2k deductible) b. since my last day was before a weekend, they actually covered my only until that same day next month, so i still had a gap of coverage (might be my employer but still sucks people have to be faced with this bs) c. when i did go to a routine physical healthcare provider still denied the claim and i was sent a full bill. after hours of calling it turned out they initially rejected it, but then accepted months later and i was left with _*some*_ expenses ?! all this BS while dealing with expensive benefit package.. i can only image what self employed people must go through..