And even if you do have insurance, the larger companies are being caught auto denying claims (supposed to be an instance company employed doctor reviewing your case and medical history to make determination on if treatment was medically necessary).
They deny first and automatically put patients at a disadvantage. If you do have the skill/time to fight, you’ll likely still only get to a point where you partially pay - and most are too polite/afraid to even appeal a denial in the first place (which is exactly what they are counting on).