it does seem retarded that: you don't get to pick your insurer if your job provides it, nor do you get to decline insurance and be paid a bigger paycheck. and when you get insurance, you aren't given clear rules on what's covered, and so the insurance company can just invent shit out of thin air coverage wise. nothing in america makes sense until you realize it's ran by a small group of hardcore religious slavers who think they will inherit the earth and everyone else should suffer.
United States