All insurance policies have limits on what they will pay. Those limits come in various forms, such as:

1. What you pay out of pocket before insurance coverage kicks in.

2. No coverage for out-of-network providers.

3. Caps on how much they will cover.

Insurance is a numbers game. Rest assured, all insurance policies and all insurance providers find ways to limit how much they pay out.

You may find some means to limit payments more distasteful than others, but they all do this. It's the only way they can possibly stay in business.