Dude... READ. They cover 80%(assuming yours is the same on the percentage amount) of approved expenses. That means they don't cover anything from non approved expenses. If you get more treatment than what is approved, you pay 100% of that non approved treatment. How are you not getting this? It is written into everyone health insurance contract. Stop cherry picking and ignoring that simple fact. If you do something that is not approved by your insurance company, they have no legal obligation to cover it. That is even in Obamacare. Your insurance company decides what you get covered and what treatments you should get, not you. If only 1 bag is approved, you pay 100% of the cost of the second bag.
I'm not sure what you're reading, but the document clearly states that they will pay 100% of any eligible expense* (that isn't a physician billing charge) as long as the hospital is "in network".
* Eligible expense is anything they have agreed to a price on with the hospital. It mentions NOTHING about it having to be an insurance approved expense. The only thing this would exclude is in-network hospital services where they don't have a contracted rate with the hospital, such as experimental care.
It's more than just that, though. The US pays more for healthcare in relation to GDP than any other nation yet internationally it is ranked 37th by the World Health Organisation for the service it provides. Large numbers of people are left with obscene levels of debt (even those who have good healthcare plans), while it is calculated than nearly 40,000 people die a year as a result of not having access to healthcare. People are fired from their jobs in order to save the employer money. The quality of care is high but the system certainly isn't equitable or efficient.
Yeah we do, like I said, the system has a LOT of flaws that need to be worked out. There is too little information for consumers and too much control in the hands of insurance companies. Then you have the hospitals who blatantly ignore federal law on providing benefits to anyone so long as they receive medicare dollars.
I think an overhaul is needed, but one that brings transparency to the forefront.