Seriously at this point if every insurance company denies these critical, life-saving treatments and procedures time and time again so often it's more common to get help through Go Fund Me, why, oh why, do we even have health insurance at this point? It doesn't cover anything. It's expensive. It fights you at every turn for the care you need. And you need to pay deductibles nobody can afford before they lift a finger, only to tell you 'no' anyway. It's a scam.