Also consider that as a "NYC Googler" you are not getting the true American healthcare experience.
Google is also self-insured, which means that Google is actually paying for healthcare, not the insurer -- the insurer just manages the networks & relationships with providers, and it's just pure profit for them. Google, meanwhile, wants healthy employees. No one has an incentive to deny claims, so ultimately you are seeing the best side of the system, in which almost every actor wants good outcomes.
Contrast this with Medicare or Medicaid, or private insurance on the individual level, where the incentive is to reduce "medical loss", the industry term for...actually paying for healthcare. Arguing with insurers over denied claims is par for the course -- so much so that some insurers just routinely deny things (and patient is on the hook) that their own plans say should be covered, with the hope that patients won't realize they can appeal.
Having experienced both ends of this -- as a former Googler myself and in the individual market pre-ACA ("Obamacare") -- I can tell you the difference between the wealthy corporate insurance plans and the individual market is night and day.
All systems have problems. Other systems don’t seem to bankrupt or kill as many people.