My employer pays $36k/year for my family's health insurance, it doesn't cover everything I want, and we still have to justify treatment options. Doctor visits

My employer pays $36k/year for my family's health insurance, it doesn't cover everything I want, and we still have to justify treatment options. Doctor visits are still hundreds of dollars out of pocket. I'll take 1 out of 3 instead of 0 out of 3.