Health Insurance Sucks

The denial said it was a lack of medical necessity. So I called the hospital billing today and they received the same denial. But they have filed an appeal and said not to worry about it now.
I have a so called "Cadillac Plan" private insurance that I pay about $1300 a month for, but have to fight for any benefits. And then the co-pays and deductibles are high and I have to make payments on it for months. I'm just working to pay for insurance.