I'll add my voice and say you must be pretty damn privileged, either in health or money, to have never experienced a loved one or yourself being actively degraded and attacked by the insurance state. The people on the phone are nice, but the company would rather you died, sorry. Also, for you to state such a question tells me you're not only privileged, but completely unrecognizing of that privilege, attributing incredible luck to some kind of innate power, or just very unempathetic or un plugged in to the reality of the people at Starbucks, or target, or anywhere else that people serve you.
They denied one third of every claim sent. Even indirectly, just the culture change of doing that has and will undoubtedly kill thousands of people who are afraid or helpless to even try to use this evil system.