All health insurance companies need to die. They are all crooks and frauds and are using an outdated system in our country siphoning money from families.
* Where if a doc prescribes insurance pays for it no questions asked (to you the patient). They can claw it back from the doctor if they think it's excessive. I think for disaster only coverage you could successfully pass laws to this effect without insurance companies starting a third world war.
That is what happens now. See Medicare/Medicaid/Tricare/federal government employee plans/etc.
That is why health insurance companies are better referred to as “managed care organizations” (MCOs). Most importantly, they are selling a plausible deniability shield to government leaders.
The government is paying for healthcare, but since there is insufficient supply of healthcare, someone has to get shafted. Using the MCOs to do it lets government leaders point fingers.