If a tree falls on your car and it’s totaled, but insurance isn’t enough to replace it what do you do? You find a way to replace it because you need a car.
If insurance denies ten physical therapy treatments allowing only five, what do you do?
I bet you complain that the health insurance company denied you the care you need but you DON’T find a way to buy it on your own.
When it comes to health care we often have unique definitions of “need, necessary and affordable” generally not involving our money.
I often tell the story of an employee’s wife who berated me because our health plan did not cover Lyme disease immunization. My children could die she screamed followed by “You expect me to spend my money!” $60 at the time years ago.