So many people have so many worse stories but my experience with health insurance is as follows: a couple years ago I was having chest pains and I called the doc who told me to go to the ER. They didn’t find anything and I was told to follow up with my PCP. I did, and he asked if anyone had ever told me I have a heart murmur. I said no, so it might have been new since having my first daughter. He ordered an echo. My insurance denied it. So since then I’ve just been hoping I’m OK I guess?