Insurance is for protection of wealth, not to pay for every little sniffle or nose bleed.
I just completed a course of accutane for acne. I was told if I paid out of pocket- the cost would be $1200. My insurance covered everything except for a total of $50 copay. I was happy that my insurance paid so well for my treatment, but I would have willingly paid for it out of my own pocket. Acne is not a life or death disease. This is why insurance is so expensive, they are covering conditions that should not be covered.