I really wish I could give them less than a star, ...

I really wish I could give them less than a star, a negative star rating perhaps. I pay $600 every 2 weeks for this insurance, on top of what my employer pays them. I am being told that a procedure I desperately need to have done, will not be covered! So frustrating! What the hell am I paying all this money for? Pretty sad when a person is in so much pain every day, but cannot have a life saving procedure done! I am beyond fed up!