Right now I'm on the hook for 5 figures with BC/BS for my son's birth expenses, because HR screwed up his application. It's a Kafkaesque byzantine labyrinth of red tape and buck passing. I'm not sure they're evil, just bureaucratic.

I think that should be covered under the mom's insurance at least for 30 days post birth (at least in California). I could be wrong..

It is for sure, but it's tough getting them to do what they're supposed to do.

The last time I had insurance in the states (before moving away) was with Blue Cross.

I didn't personally have any problems, and generally zero problems with mental health car (my ex needed it). I don't know if it makes a difference, but my employer (a major pharmacy chain) merely hired them to administer their health plans and funded it through the company. When they dealt with me, they weren't really using their funds.

In our state, they are pure awful.