Sorry, I know this is off topic of the OP. I do get a bit dumbfounded with the USA health system though.
I had a bad medical year last year (for me it was bad, as I usually don't have much to with the health care system). Off the top of my head I've had: my once every two year physical exam and all the blood tests involved; a referral to a dermatologist for a couple of treatments for a possible pre-skin cancer; a referral to a podiatrist; physio-therapy for what is turning into a chronic joint issue; referral and several follow-up calls (close monitoring as prevention) to a urologist and all the blood tests involved.
Total calls to insurance about coverage: Zero
(Amount of time spent thinking about insurance coverage: Zero)
Total out of pocket expenses: Zero
Wait times: my appointments were more about prevention, a specialist second opinion, even so, it took, at most, two months to see the specialists
Standard of care: I was very pleased with the standard of care. My doctors encouraged my questions. No complaints