[incision]

>"Doesn't the insurances cover with these expenses in USA?"

Insurance companies are like ISPs. You're fine until your usage pattern significantly exceeds the average.

At that point, the insurer will do any and everything in their power to drop your coverage and/or hasten your demise by denying or delaying treatment.

On a related note, this is why some of the people who are unable to keep their misleadingly cheap plans post-ACA should actually be happy. They would simply have been dropped anyway - when they actually needed that coverage.

[Markinhos]

Still confused...this is a terrible reputation for the insurance of this fellow. Aren't any insurance provider covering these kind of things? If so, why anyone would take a insurance that doesn't?

Sorry, but I cannot understand how a high skilled worker in a high income country has to beg for money because medical problems.

[incision]

It's a whole range of things. I don't have a comprehensive link at hand and these questions are so heavily politicized right now in the US that searching is all but pointless.

>Aren't any insurance provider covering these kind of things?"

On paper, yes. In reality, no. I'm not aware of any sources of data on which, if any insurers are better in this regard. The insurers obviously have no reason to divulge this and the folks who experience are likely dead or dying.

>"If so, why anyone would take a insurance that doesn't?"

As the other comment points out, most people receive insurance through their employers, limiting their options. It's possible to self-insure, but prohibitively expensive for many people.

Even among those who are well-paid. The costs are high enough that it's quite common for married couples, particularly those who have or plan to have children, who could otherwise live on one income to maintain a one job "for the benefits".

Finally, there's an incredible amount of misinformation about how these things work in practice and about legislation like the Affordable Care Act aka "Obamacare" which aims to address some of the worst parts of it.

>"Sorry, but I cannot understand how a high skilled worker in a high income country has to beg for money because medical problems."

Medical care in general and cancer treatment in particular is atrociously expensive. Paying out of pocket you'd be looking at several thousand per month for drugs, thousands per day for hospitalization and tens of thousands for major surgery.

Even with insurance the co-pays and deductibles (amount the insured is required to pay) can range up to a significant percentage of those costs.

Unless you're fabulously wealthy, a terminal illness generally means living exactly as long as your insurance and/or the generosity of others allows.

[eropple]

Due to a couple of historical accidents, most Americans have health insurance through their employer--which means they get their employer's choice of insurer. And employers are not incentivized to pick an insurer based on how well the insurer works with cases like this.

It's pretty messed up.