It’s a tough business but it’s insurance not an open healthcare ticket. People don’t like to hear this but insurance is a contract. The insurance sets premiums based on the terms of the contract. And those terms must be enforced or costs will exceed premiums. But the vast majority believe some one else should pay for their health care no matter their personal choices or their medical condition.
Does anyone on this forum believe their are circumstances were the insurance company should not cover a treatment?
The insurance company sets the terms, the customer abides by those terms, and the insurance company arbitrarily changes the terms with no notice. Sounds fair...
Insurance companies have a bad name for a reason. They are more than happy to take your premiums, but the moment you put in a claim they will move heaven and earth to avoid their responsibilities and commitments.