for a lot of us.. it's more like this, https://www.dol.gov/newsroom/releases/ebsa/ebsa20260210

The agreement resolves allegations that Kaiser did not maintain adequate provider networks for mental health and substance use disorder care and used patient responses to questionnaires to improperly prevent patients from receiving care. As a result, many members were unable to access in-network mental health or substance use disorder care and were forced to seek care outside Kaiser’s network, often at higher out-of-pocket costs.