In my personal experience, basically no insurance in America is worth anything.
Nothing you would actually need insurance to cover ends up being covered, or, it covers a huge portion of an absurd cost which is only so absurd because of basically a corrupt cost inflation feedback loop between insurers and providers that you end up personally paying prices that are absurd to all but the very well off.
It ends up just being further cost requirements to basically exist, which means if you are poor fuck you, die.
Oh you want to challenge your insurance and force them to actually cover something?