The thing about insurance is that the reason you purchase it is for managing tail events. And the only way to know if you are satisfied with your insurance comp

The thing about insurance is that the reason you purchase it is for managing tail events. And the only way to know if you are satisfied with your insurance company is to experience a tail event and see how your insurance company behaves. If you develop an expensive to manage chronic illness, is your insurance company prompt in paying claims? Does it try to deny all of them and require you to hire an attorney to get them to pay anything at all? Does it turn out that much of the treatments you need for recovery were never covered by insurance at all? And even if it is paying - how many hours a week do they expect you to spend submitting and resubmitting claims and calling various doctors to collect more information and submit more and more paperwork?