Early last year, I got a new job with health insurance from UHC. They repeatedly denied my initial claims until I pressed back against them. They asserted that I had other coverage; I had to provide hard proof that I had canceled my old policy. I can only assume that was a flagrant lie on their part, because they never provided any proof that I had other insurance. It literally took hours on the phone with their agents to get them to cover a $50 claim.
As a direct result, I do not trust them to cover me in an emergency, but this is what my employer provides. I cannot afford to pay for better insurance out-of-pocket, not that I expect any other insurers act any better than this. To wit, I do not expect any insurance company to honor their policies, whether for health, auto, home, or life coverage. I only pay for insurance because it is required by law (or by the bank).
Unless my life is in danger, I will not risk bankruptcy by participating in the medical system. Presently, I am actively avoiding going to the doctor to investigate potential ongoing health issues, even though I have a so-called "platinum" plan. What a fucking joke.