Found out today how really bad my new Health Insurance Policy is

I'd looked at their website, and I could find no information about the plan I just bought into. So I spent hours on the phone instead. This afternoon, eventually I got forwarded to someone who gave me the bad news. Although I picked the only available plan that included my doctors. Now, I have found out that they are not exactly covered. Before the insurer will pay a dime, I have to meet a $6000 deductible. I could choose different doctors, they told me, and then my primary doctor would be covered from day 1 (except for a $10 co-pay). Of course, if I need to see a specialist more than twice, even if I select from their preferred list, I have to meet a $3000 deductible before they will cover any additional visits.

I do have Rheumatoid Disease, so yeah, I need to see a specialist several times a year.

Then, I looked for a rheumatologist on the preferred list. And oh joy, just one practice. The head doctor at that practice is the same one who was running the place when I went there. I have never been treated so badly at a doctor's office. No one, including the doctors, showed a shred of respect for the patients.

So, all things considered, I'm just going to have pay the $6000. That's in addition to $541 a month in premium.

And this, folks, is a 'silver' plan! But, it is here in SC, where our governor refused to set up a state exchange.