Question about how insurance / payment works in the US

Insurance in the US sucks. I have had many insurance plans over the years, almost all employer sponsored and I paid a portion or the cost. None of them ever covered any type of weight loss program, including bariatric surgery. I have paid so much in taxes over the past 40 years and never received any benefit.

I qualified for WLS after I lost my job, was automatically enrolled in state sponsored health insurance, because I had no income and no longer qualified for purchased insurance. It was a strange thing to be referred for and qualify for a $50,000+ surgery when I could not afford insurance, but had paid in tens of thousands of dollars over 35 years and NOT qualified.

All ended well for me, but it just highlights how screwed up our healthcare system is, as far as insurance goes. I am not a fan of insurance companies.