I've had "good" coverage for my 15 year career and it does not work most of the time, or even half of the time. I've paid bills out of pocket because I didn't h

I've had "good" coverage for my 15 year career and it does not work most of the time, or even half of the time. I've paid bills out of pocket because I didn't have time to untangle payer/insurance situations. I was taken to the ER unconscious once after a freak accident and ended up paying thousands for the ambulance. I've had to do provider paperwork myself and submit it to insurers myself because they refused to help me help them get paid. The system is simply not functional for people who don't have huge amounts of free time, patience, and money.