It's supposed to be a pretty blank check for critical bills, and this company does a bad job of fulfilling that.
> You can always decline the health insurance and pay out of pocket if you think it is a bad deal.
Ha. You could make this same argument about literal scam insurance that denies almost everything once your claims go above your payments. That's not a reasonable defense.
You make it sound like "refusing to help" was in the context of a random person begging for help to a stranger.
It's more "hey, pay me a percentage of your wages and when you need help with medical bills, we will help you..." then denying the help.
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It's supposed to be a pretty blank check for critical bills, and this company does a bad job of fulfilling that.
> You can always decline the health insurance and pay out of pocket if you think it is a bad deal.
Ha. You could make this same argument about literal scam insurance that denies almost everything once your claims go above your payments. That's not a reasonable defense.