[aestra]

>If I truly trusted that the insurance company would be there for me

I don't believe they will be there for me either, and I've been burned before too. That's one of the reasons why I don't support the ACA. However, making others take on your risk is any sane solution. You are just shifting the burden to others.

> As it stands I paid monthly insurance premiums + deductible + most of the bill

You can appeal and appeal and appeal, then go to your state insurance board. This is a government required right. There wasn't any reason to just accept what the insurance company told you. You can even get an external review. Over 90 percent of insurance decisions are reversed on appeal.

Just several phone calls sometimes resolves the issue. I've been on the phone so many times I've practically gotten them on speeddial.