Ever looked at the paperwork burden of private insurance for a child with a rare medical condition? I have. My wife and I spent a year - literally twelve months

Ever looked at the paperwork burden of private insurance for a child with a rare medical condition? I have. My wife and I spent a year - literally twelve months - filling out reams of paperwork to get a rare medication covered. And eventually failed. There did not appear to be any end to the paperwork. It was itself clearly punitive, they designed it so you would likely fail so they wouldn't have to cover the condition.